2,071,206
bullet : dodged.
-
Debe Maxwell, CRS
Charlotte, NC
-
Eve Alexander
Tampa, FL
-
Lyn Sims
Schaumburg, IL
-
Anthony Acosta - ALLAT...
Atlanta, GA
-
Nina Hollander, Broker
Charlotte, NC
-
Brenda Mayette
Glenville, NY
-
Candice A. Donofrio
Fort Mohave, AZ
-
Pete Xavier
Pacific Palisades, CA
-
Chris Ann Cleland
Gainesville, VA
-
Michael Jacobs
Pasadena, CA
-
Mimi Foster
Colorado Springs, CO
-
Fred Griffin Florida R...
Tallahassee, FL
4,582,309
Fred, you and she now have the knowledge.
-
Ron and Alexandra Seigel
Carpinteria, CA
-
Barbara Todaro
Franklin, MA
-
Kathleen Daniels, Prob...
San Jose, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Lyn Sims
Schaumburg, IL
-
Tony and Suzanne Marri...
Scottsdale, AZ
-
Anthony Acosta - ALLAT...
Atlanta, GA
-
Nina Hollander, Broker
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
-
Pete Xavier
Pacific Palisades, CA
509,449
Usually they are down/sad but not mad.
-
Carla Freund
Raleigh, NC
-
Debe Maxwell, CRS
Charlotte, NC
-
Lyn Sims
Schaumburg, IL
-
Anthony Acosta - ALLAT...
Atlanta, GA
-
Nina Hollander, Broker
Charlotte, NC
-
Anna Hatridge
Farmington, MO
-
Michael Jacobs
Pasadena, CA
-
Fred Griffin Florida R...
Tallahassee, FL
2,191,798
It's all your fault Fred !
-
Carla Freund
Raleigh, NC
-
Michael Jacobs
Pasadena, CA
-
susan paige
Spring Hill, FL
-
Debe Maxwell, CRS
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
-
Nina Hollander, Broker
Charlotte, NC
-
Michael J. Perry
Lancaster, PA
1,553,347
The Truth Hurts, but you were very smart to do it in sequence!
-
Carla Freund
Raleigh, NC
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Lyn Sims
Schaumburg, IL
-
Nina Hollander, Broker
Charlotte, NC
-
Brenda Mayette
Glenville, NY
-
Fred Griffin Florida R...
Tallahassee, FL
6,418,126
Well, it looks like you saved yourself, her and others some time.
-
Bob Crane
Stevens Point, WI
-
Carla Freund
Raleigh, NC
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Lyn Sims
Schaumburg, IL
-
Nina Hollander, Broker
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
554,600
Financing is more emotional than home-buying. I'm sure she is feeling a little embarrassed, humiliated and obviously not too happy. And of course this is all YOUR fault! (Isn't just about everything our fault?!) But seriously, there is something very wrong in the universe this week. I've had nothing but really angry clients.
-
Carla Freund
Raleigh, NC
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Lyn Sims
Schaumburg, IL
-
Nina Hollander, Broker
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
-
Pete Xavier
Pacific Palisades, CA
392,768
Had a couple decide not to work with me since I will not show them anything without that all might pre-approval letter. Too much trouble to get it they said...well I hope it all works out for them.
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Carla Freund
Raleigh, NC
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Nina Hollander, Broker
Charlotte, NC
-
Pete Xavier
Pacific Palisades, CA
-
Fred Griffin Florida R...
Tallahassee, FL
-
Anna Hatridge
Farmington, MO
5,060,544
Hmmm, maybe that's why she's had multiple jobs in the last few years! I have had several who needed to get credit fixed and they seemed pleased to have the help!
-
Carla Freund
Raleigh, NC
-
Debe Maxwell, CRS
Charlotte, NC
-
Nina Hollander, Broker
Charlotte, NC
-
Pete Xavier
Pacific Palisades, CA
-
Michael Jacobs
Pasadena, CA
-
Fred Griffin Florida R...
Tallahassee, FL
-
Anna Hatridge
Farmington, MO
3,416,038
Yes, a buyer got pre qualifed a few months ago, 3.5% then decided not to buy. now ready to buy and i asked, did you get pre qualifed again. Theys said yes but did not, then had sticker shock when rate is 4.5 and payment 300 more.
-
Carla Freund
Raleigh, NC
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
-
Lyn Sims
Schaumburg, IL
-
Nina Hollander, Broker
Charlotte, NC
55,673
As a 48 year Vet in the mortgage business, all potential buyer should be pre-approved before waisting everyone's time.
-
Carla Freund
Raleigh, NC
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Lyn Sims
Schaumburg, IL
-
Nina Hollander, Broker
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
5,027,088
Good for you..you warned her..now she should believe you!
-
Carla Freund
Raleigh, NC
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Nina Hollander, Broker
Charlotte, NC
-
Brenda Mayette
Glenville, NY
-
Fred Griffin Florida R...
Tallahassee, FL
637,484
Send her some flowers! With a nice note.
-
Carla Freund
Raleigh, NC
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Lyn Sims
Schaumburg, IL
-
Nina Hollander, Broker
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
3,383,384
Not a reaction like that, just down. I think this gal was probably embarassed and lashed out at you.
-
Carla Freund
Raleigh, NC
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Lyn Sims
Schaumburg, IL
-
Nina Hollander, Broker
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
679,404
Her Loss! You did the best you could.
-
Carla Freund
Raleigh, NC
-
Debe Maxwell, CRS
Charlotte, NC
-
Nina Hollander, Broker
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
-
Pete Xavier
Pacific Palisades, CA
-
Michael Jacobs
Pasadena, CA
7,863,486
There will never be a shortage of unrealistic prospects. You provided sound advice.
-
Carla Freund
Raleigh, NC
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
430,282
I have not had that issue. I did help someone repair their credit (for 18 months), took them to see every POS out there, and then they called a sign and bought the house with the listing agent.
-
Eve Alexander
Tampa, FL
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
5,239,359
The truth is the truth. At least you did not waste your time.
-
Carla Freund
Raleigh, NC
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
2,577,571
Sorry she lashed out at you Fred. Seems she doesn't want to take the responsibility of bad credit.
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
-
Lyn Sims
Schaumburg, IL
3,071,489
Michael Jacobs nailed this one!
-
Carla Freund
Raleigh, NC
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
2,221,377
I always ask buyers to call and speak with my lender before going out to see properties.
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
-
Anthony Acosta - ALLAT...
Atlanta, GA
577,750
It seems we are always the ones getting the brunt when things go wrong even thoug it is not our fault. Oh well, probably better off without a client like that!
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
-
Anthony Acosta - ALLAT...
Atlanta, GA
5,112,471
Not mad, but very sad.
-
Carla Freund
Raleigh, NC
-
Michael Jacobs
Pasadena, CA
-
Fred Griffin Florida R...
Tallahassee, FL
-
Anthony Acosta - ALLAT...
Atlanta, GA
2,456,409
She's the one with the problem. I wouldn't want to work with her anyway.
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
-
Nina Hollander, Broker
Charlotte, NC
3,986,308
Many people who decided not to take lower paying job for a short time have gotten the same message.
-
Carla Freund
Raleigh, NC
-
Michael Jacobs
Pasadena, CA
-
Nina Hollander, Broker
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
510,564
Why didn't you just wave your magic wand?
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Nina Hollander, Broker
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
1,712,776
I am happy to say no. What a nightmare.
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
-
Pete Xavier
Pacific Palisades, CA
1,506,013
Never had that. I'd lose her number!
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Carla Freund
Raleigh, NC
-
Michael Jacobs
Pasadena, CA
-
Fred Griffin Florida R...
Tallahassee, FL
5,772,587
Fred,
I would conclude, that you were wise and saved yourself a big headache! A
-
Carla Freund
Raleigh, NC
-
Michael Jacobs
Pasadena, CA
-
Fred Griffin Florida R...
Tallahassee, FL
3,349,404
I have not. It seems that people who cannot take responsibility for their own actions and life need someone else to blame their circumstances on.
-
Carla Freund
Raleigh, NC
-
Fred Griffin Florida R...
Tallahassee, FL
-
Michael Jacobs
Pasadena, CA
5,254,045
Yep, you dodged a bullet, Fred! Smile as you move on to the next one...who QUALIFIES!
-
Carla Freund
Raleigh, NC
-
Fred Griffin Florida R...
Tallahassee, FL
-
Michael Jacobs
Pasadena, CA
5,583,328
oh, she was embarrassed.... I might have given her the option of a hard money source.... then she could save face and go in peace....and hopefully repair her credit.... or she would grab the offer and have a roof over her head....
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
3,988,013
I have not had them mad at me but have had them extremely embarrassed and angry when they discovered things the other spouse had done to their credit. It caused one couple to separate. They are back together now.
-
Carla Freund
Raleigh, NC
-
Michael Jacobs
Pasadena, CA
-
Fred Griffin Florida R...
Tallahassee, FL
716,529
I can understand that... from the client's perspective - it may be frustrating. It's easy for us to dismiss clients like this as they don't fit the lending mold.
But there is a challenge here. Many people not in our business don't necessarily understand how it works to get a mortgage approval - and understandably so, the rules have changed.
The challenge is one to explain how it works. There may also be an opportunity to also use a lender that specialize in those sorts of client situations, and an opportunity to develop a buy strategy for this client.
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
2,784,566
I have seen exuberance to get started to despair when not qualified
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
921,504
I would not have provided a 'REFERRAL" to a lender without first getting some confirmation they can do it.
That is why we have many lenders in our database.
When folks get ambushed that leads to SHAME, they often react harshly.
Your job is to prevent the ambush and allow them to avoid shame.
Just for the fun of it, run her stats through Rocket Mortgage under an alias and see if the ambush could have been prevented.
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
586,935
She is not a serious buyer. Let go!
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
4,434,177
no
-
Carla Freund
Raleigh, NC
-
Michael Jacobs
Pasadena, CA
-
Fred Griffin Florida R...
Tallahassee, FL
613,494
Don't bother with the flowers...
Even when they finally can qualify, they will be marginal buyers, and the prices have now gone above their budget...
Eve
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
2,187,593
Some people just need to blame someone else for their problems.
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
1,846,901
That's her problem unfortunately & now yours. It's your problem Fred - don't you know what her life is like?
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
4,900,966
Next
-
Michael Jacobs
Pasadena, CA
-
Debe Maxwell, CRS
Charlotte, NC
-
Fred Griffin Florida R...
Tallahassee, FL
54,940
You helped her in that you did not waste her time - she helped you in that she did not waste your time. I call that a win-win.
-
Michael Jacobs
Pasadena, CA
-
Fred Griffin Florida R...
Tallahassee, FL
-
Nina Hollander, Broker
Charlotte, NC
1,241,754
I do not waste a moment. You show me your local loan preapproval or bank statement I will show you my listings.
-
Michael Jacobs
Pasadena, CA
-
Fred Griffin Florida R...
Tallahassee, FL
-
Nina Hollander, Broker
Charlotte, NC
1,466,257
Fred Griffin Oh, the importance for having a preapproval letter up front.
-
Michael Jacobs
Pasadena, CA
-
Fred Griffin Florida R...
Tallahassee, FL
69,794
At least you didn't waste a day of showing houses before you found out.
-
Fred Griffin Florida R...
Tallahassee, FL
321,564
They get upset but never rude to me. At least you found out before wasting your time. Could imagine if they found their dream home & got turned down.
-
Fred Griffin Florida R...
Tallahassee, FL
5,877,335
Sounds like you dodged a bullet, she sounds a bit unstable.
-
Fred Griffin Florida R...
Tallahassee, FL
4,800,132
I have had similar situations.
-
Fred Griffin Florida R...
Tallahassee, FL
4,319,773
Fred Griffin - not your fault. However, sometimes it is easier to educate them that it is not you, it is their finances.
-
Fred Griffin Florida R...
Tallahassee, FL
1,323,044
906,197
Not as a Real Estate agent. I did when I worked in mortgage banking. People would get so mad and blame you when in reality they were late on their mortgage, they had too much debt, etc.
-
Fred Griffin Florida R...
Tallahassee, FL
4,960,530
Wow, Did she think you are the bank?
-
Fred Griffin Florida R...
Tallahassee, FL
182,965
This could be overlay of lenders. If she is on job from last 6 month and same line of profession that shouldn't be a problem to get her approved.
-
Fred Griffin Florida R...
Tallahassee, FL
2,684,569
Thanks to Annette Lawrence , Palm Harbor, FL 727-420-4041 for the idea about using Rocket Mortgage / Quicken Loans for buyers who appear to be on the edge. It may give them a chance to "save face".