FindMyWayHome

I think you've said this before, but our industry needs more loan officers who's goal is to educate and inform (both themselves and borrowers), and not more loan officers who spend most of their time learning how to apply sales closing techniques to convince real estate agents to refer buyers to them and/or how to trick buyers into working with them. When someone calls me and says they are already pre-approved (actually have a pre-approval letter) but don't have money for down payment or closing costs, I cringe. I can't tell you how many times they tell me they are pre-approved for up to (for exmaple purposes) $400,000 and as I review their entire qualifying documentation, find out they really only qualify for maybe $300,000 because the lender failed to account for a non-borrowing spouses debt, have 2106 expenses, have a schedule C business loss, have a 2nd job income that cannot be counted, have student loan debt that is not or cannot be deferred, property taxes were underestimated, or have OT/Bonus income that is not considered stable or have a two year history. If I were a borrower, I would demand my loan officer prove they are an expert in the field. In my opinion, the best way to do that is to share information as you do. You have invested thousands of hours into personally building/writing information on your website/blog (not cookie cutter templated loan info) that clearly demonstrates your expertise and desire to educate, inform, and empower. Well done!