I Said NO to an Interest Only Mortgage - But, No One Was Listening

Real Estate Agent with Perry Wellington Realty, Adam Conrad, Broker WV0026375

After leaving my real estate office today, I stopped by the First National Bank to talk with Loan Officer,Dianne Beale Diane Beale.  I was reminiscing about the first day I met Dianne, and decided to write a blog about our first meeting, and my terrible, stressful, settlement day. 

When applying for a mortgage, one of the first things you are asked is "What type of loan do you want"?  

Well, here is what happened to me.  We had finished building our home in Lewisburg, West Virginia.  Now the construction loan had to be turned into a regular mortgage.  I started looking around and found a mortgage lender and liked the rates, so we started the paper work. 

The closing was to be on a Friday morning. I walked into the attorney's office and was immediately informed that there was a problem.  The paperwork was for an interest-only mortgage.  I couldn't believe this, as I clearly told the person at this mortgage company that I wanted a 30-year fixed rate at least twice, if not more, during our conversations.

What was I to do now?  The builder thought he would have his money that day.  Fortunately for me, the attorney's assistant suggested I take the package, go to First National Bank, and talk with Loan Officer, Dianne Beale. 

                                           I did just that!

First National BankI walked into the bank, and went to Dianne's office.    NO WAITING!  Can you believe that?!!     I told her what had happened and that I was not going to settlement with that lender.  I asked her about the options and she gave me a variety of choices for our mortgage.  Imagine, having choices!  Could she do the loan?  NO PROBLEM! 

Dianne was so helpful and understanding, getting the loan through within five days.  Friday she had the paperwork, and by the following Friday morning - we went to settlement with a 30-year fixed rate mortgage.  What a relief, Dianne came through for us. And, my builder, McCoy Builders, was so understanding.

I didn't think this could be done in this small town of Lewisburg, West Virginia.  Dianne Beale and First National Bank was indeed a life saver for us, and most importantly......THEY LISTENED TO WHAT I WANTED.

If you need a loan or refinancing, call Diane Beale at (304) 647-5051 


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Buying or selling a home, call me........... your Greenbrier County, WV Real Estate Connection  -- 

Rebecca Gaujot  - Coldwell Banker Stuart and Watts Real Estate                         304-520-2133



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Your Real Estate Connection for Lewisburg, WV and the Greenbrier County




If I can assist you in any way with your real estate needs in Lewisburg, WV, Greenbrier County or the surrounding areas, please feel free to contact me by phone at
(304) 520-2133
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Adam Conrad, Broker

Martha Hilton, Managing Broker



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Craig Rutman
Helping people in transition - Cary, NC
Raleigh, Cary, Apex area Realtor

Kudos to Dianne! And to you for letting her know how much you appreciated her hard work.

If she's not seen this post, please make sure she does. Testimonials are a wonderful way to show potential clients what you have done to earn their business and referrals.

Since we're all on commission, I think she'd love to have this in her "brag book".


Jan 15, 2009 04:59 AM #1
Marie Goodwin
Greenbrier Real Estate Service - Lewisburg, WV
Marie R Goodwin

Rebecca, this is so true and a good post. Diane is the greatest. I am working on a deal with her now and there has been some stuff to work out for the Buyer but she explained to him what he had to do to make this happen and he really appreciated it because he is a first time buyer and had no idea. But, with Diane at First Natioinal she will make it happen.  WQe are blessed to have someone like her to be there for our clients.  Diane is a life saver when it comes to mortgages.

Jan 15, 2009 05:44 AM #2
Rebecca Gaujot, Realtor®
Perry Wellington Realty, Adam Conrad, Broker - Lewisburg, WV
Lewisburg WV, the go to agent for all real estate

Craig and Marie- Thanks for your comments. I have forwarded this post to Dianne. She really did appreciate the kudos.  As you stated Marie, Dianne is indeed the greatest.

Jan 15, 2009 06:38 AM #3
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Rebecca Gaujot, Realtor®

Lewisburg WV, the go to agent for all real estate
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