I want that same deal that my friend got !!!!

WALTER.... . I agree, this market is allows changing. It would be like asking a doctor to cut back on their fees, but to make sure that I live after the surgery.  And yes, even if the deal looks the same, it will still be different.

TONY.... .  yes, that one always cracks me up. I guess it's the same reason why I look at other business differently than so many. I respect that everyone needs to make a living and if I don't trust that person or company, to just go some where else...

FRED..... . yes, it's that damn passion..  ;o)  thanks.  And that is also another good analogy, that one size doesn't fit all. thanks for the compliments.

GERRY...... . yes, I could have even used a picture of two apples.  ;o)  But wait, you mean I can't get that 4.5% rate?  Well, it would cost me some money though....

BRIDGET..... .  good point. I agree, we deal with this everyday, but just a better reason for that buyer or seller to trust us even more. The problem with that is they usually end up trusting the wrong people based on the wrong false promises. Hence why I love writing posts like these to educate. And thanks for the congrats and for the compliment.

AUDREY.... .  there is always something that is missing... well, most of the time. Even when the source is giving the information, how do they know what to truly look for, hence why they would miss some of the information and probably relay the other pieces of information in wrong fashion. But they know better, right?  Hence why they have other jobs that they do and that they rely on us. Anyhoo....  thanks for the compliment.

SHARON...... .  even if it was last week, that market has changed slightly. People just don't realize this. Hence why we need to keep writing about this and educate the public every change that we get. And thanks for the kind words..

KRISTI..... .  I think many fudge... they want to have the bragging rights, the upper hand. So many want to better the other person, even if it's their best friend or co-workers. And thanks for the polite comment.

KELLY.... .  thank you very much... in regards to truth and being tweaked, why people fall for that or look for that?  In many cases, it just comes down to the person that they are dealing with, that makes them feel comfortable with such Red Flag words as... "don't worry", "no problem", "I promise", "I guarantee"... etc, etc. I have even had clients tell me this, when I proved someone else wrong, their response was,.... but they were very nice. In my book, nice doesn't cut it. These are my opinions, but many would agree with me.  thanks

BILL.... . there are no two apples a like and I should have used the picture of apples now, which would have made this even easier to understand. But yes, it comes down to the fact that we need to educate borrowers and consumers... and this is a good reminder for ourselves also. Thanks for the compliment.

MATHA.... . even those with the smarts don't have the common sense to think about that, that they don't understand why they can't get the exact same deal. And yes, use the fingerprint analogy any time. Thanks for the compliment.

HAL.... .  in my opinion, it's not so much that people think they are the same, but it is sometimes because of their loan officer and or realtor, because they don't explain this. They just let the client assume and they don't educate them on this. That is the frustrating part and what hurts the whole process.

LARRY.... . I think this is an excellent reminder for not only borrowers, but for us as well. And those that compare what their friends and neighbors got when it was like 6 months ago, really irks me, because apparently they don't listen to the news then... especially on how much the market has changed drastically in the last year.

AMY.... . the exact same house?  hhhmmm.. that is hard to do, right?  You sometimes wonder what happened to common sense. Overall, it just comes down to people like you or me, to explain the process, to educate, and to make people understand. Thanks for the polite comment and definitely use the fingerprint analogy, because I am sure if would help some. thanks

CHRISTINA.... . you and I know this and yes, so many want the same. But it's our job to educate those to make them understand on how this works... and to clear up any misconceptions. thanks

JENNIFER...... .  the get quick rich schemes that we see on tv?  Those have been around even before the market and real estate crashed. Those that sink their money into this, without doing the proper research, I don't feel sorry for them. Yes, if it was that easy to buy homes for just $50, we all would have many. It's sad, but we just need to educate others about this. Overall, I loved your last sentence, about the grass looks greener on the other side, yet to find out that it was spray painted green. Thanks...

CHUCK..... . yes it does happen a lot. But even being a buyers agent, there has to be some buyers that expect the same that another buyer received. Even some realtors in the comments above have even mentioned this.  thanks

JANET..... . I will just thank you for the polite compliment.

CLAUDETTE..... . it is annoying when consumers seek our professional opinions, yet they still listen to friends and neighbors, who aren't in the business. And you wonder why so many things get screwed up. And yes, there are just way too many variables. Thanks for the polite compliments.

SHARON..... . yes, I agree with everything that you mentioned. I didn't get into all of the details, but you did even bring up a good point about sales concessions and such also.  I'll add that part, so thanks.

JP.... . it truly does come down to educating the consumer. And yes, it does come down to showing the new clients the difference to what the other people received. But this can be hard at times, because unless you helped those same people, you will always be missing some of the information needed, to make an accurate assessment. and thanks for the kind words.

STEVEN.... . yes, we do have to be careful what others proclaim and we must educate them on the differences.

JASON.... . lol... how funny, yet so true. But that would be too easy, right?  And you hit the nail on the head. Price can mean different things to so many. As you and I have talked about, the best price is not necessarily the best deal all around for the borrower. And thanks for those kind words and thoughts.

TERI.... .  there is no one size that fits all and we truly need to get this across to so many. And thanks for that polite compliment, much appreciative.

DAN.... . yes, we are all different, even in how we sell. And for those that ask for rate and the lender just gives it to them without asking questions... gee, no wonder we have issues today.  thanks for the compliment.

DORIE.... . thank you, thank you, and thank you... Seriously, I was glad that this all came together very easily as I was writing it. Especially the fingerprint analogy. Thanks for stopping by.

CHARLES.... . well, I am going to disagree some. Depending on if you are talking about the consumer or the realtor/loan officer.  I truly think that some do lie and embellish from any side of the fence. Even the consumer... it's called playing the sales person, to see if the sales person will stoop to give you better. People will do this.  thanks

KIM.... .   maybe you should have each person that does say this give you a dollar then.  ;o)

SIMON..... . that is true also. Besides, unless you know all the details of your neighbors mortgage, you just can't compare, even when it was 10 yrs ago, in an easy market. Just too many variables. And thanks for the compliment.

PAUL.... .  well, I guess it depends on how you get your clients... what area... and a few other variables. Because no matter how good I know I am, I have gotten this. It doesn't matter if they are referrals from realtors or past clients... the internet, etc, etc... people do think this and act on it.  And I will disagree about the communication aspect of it also... because I think I have excellent communication with my borrowers. And this just happened recently...  from a past client of mine that I am trying to refinance. Last minute, they found out that a niece of theirs does loans. She is actually a processor... so they had to check her out... wasted a few days, but they came back to me because I was cheaper. 

But that is off subject a tad.  Overall, I think the more business that you get and the more that you are in front of the public, you will get this. And if it wasn't brought up, maybe that client never told you or asked. Just food for thought.  And just a fyi... even if and when a client says this to me, I will take the time to educate them on the ins and outs... and try to retain them.  Even if I dislike it... thanks

CRAIG...... . I am sure this happens more than we think. Yet, unless you have every detail in front of you, from that person, you can't truly compare apples to apples. thanks

CAROLE.... .  I am sure many of us agree with this, yet we still have people out there thinking differently. That's where you and I come into the mix, needing to educate everyone on this, making them aware of this.  thanks

CHRIS.... .  thanks for the compliment and I hope many buyers learn from this... thanks

CHRISTOPHER & STEPH..... . you hit the nail on the head... we need to communicate this to the borrowers and to the sellers, educating them before they even jump into the process. For so many sales people, in my opinion, they just give in...making the borrower think that it's possible to get the same exact deal and not educating them on the differences. That is where people like you and I, the true professionals, will step up and take that extra time and effort to educate them.  thanks

DREW.... . great example, that you usually only hear about someones winnings and not their losses. And that 5% rate with no points... gee, who knows if the fees are even jacked up. But there are loan officers thinking rates are coming down, and will lower that rate in hopes that they do come down. If not, you will have a pissed off client and that's where you and I come in, to educate them. thanks ps... I'll get back to your e-mail. thanks

BRENDA.... . gee, imagine that... and I wonder how small those disclaimers are. I stopped sending rates sheets out since 1999.  Anyone can hand out a rate sheet, but can they get them that rate and or close the deal. I'll try to bring a different value to the table, other than just rates on a sheet of paper.  ;o)  thanks

GITA..... . yes, the market is changing and people do have the option to lock in...it's when that loan officer doesn't go over that lock option when the borrower is shopping...  that is misleading in a way.  thanks for the compliment.

MARRYANN... .  bingo.. what you just stated is a blog in itself, which I have written about. As loan officers, we need to know many answers to many questions to determine the interest rate and type of program.  If they won't give me that time of day, I just move on now.  When I first started out, I wasn't like that, trying for their business all the time.  But they you get caught in the middle of those that would low ball their rates.  thanks for the cheerful comment.

GARY.... . it's an easy conversation around the water cooler... how many even fudge what they got or might not have a real clue, just to brag.  I hear it all of the time.  Just hear one the other day, to where the woman is upset that they can't get a loan, but their friend just got a loan who was foreclosed on a mortgage 3 months ago.  I said, well, I doubt it.. she said, they wouldn't lie.  I said.. yea, but whose name is the new mortgage in now?   Just to many unknowns.  thanks

DAN... . thank you very much... it was either the pears or the apples.  ;o) thanks for the compliment.

TAMMI... .  thanks for the kind words... I am actually shocked that you would be the first to reblog this one. I am almost positive that reblogging was around the early part of 2009.  I just wrote a post about reblogging today.  Again, thanks for the polite compliment.