If you guys would allow me to vent... I need to vent a bit... I could vent to other LO's who all know it and they just smile and nod (somehow that doesn't really feel like venting) or my wife but with her being in banking for the last 15 years kind of the same thing.
First, let me be very clear on a few things. 1) This has NOTHING to do with any FBG. 2) NO ONE here should ever shy away from reaching out to me for advice or help. MANY of you have and I have given my knowledge or hooked you up with someone to do a loan and some even helped you with your loans personally. I don't care if I can not personally help you. I will help. The only thing I ever ask is that if I can do your loan that you give me the OPPORTUNITY to win that business. That is all. If I can't do the loan, I have no expectations from you at all and will help. Now... to vent....
As some may see with this thread, I enjoy giving advice. I enjoy helping people. I do. It really is one of the biggest reasons why I continue to do what I do because I can help people in a way that many other mortgage lending professionals can't or won't help. One of the areas that I have deeper and fuller knowledge of than most Loan Officers is credit. I often help people get their credit up. I even have an email template I put together to assist with that. As I mentioned above, I help people all the time. If they are in a state I can not do a loan in and/or have no interest in a mortgage, I will still send them this email if they give me their email address. For people that I can help and their goal is a mortgage, I am willing to invest more time into them to help them get to where they need to be in order to buy a house. I do not charge for this and I don't expect that they MUST do their loan with me. I just look at it like, I have helped you- I think I have earned the chance to win your business.
I had a guy reach out to me back in March I think it was. Over a few phone calls, I spent 2 hours talking to him helping work through everything he needed to do. One of the things I suggested was going with a credit repair company that would assist in disputing some collections on his credit. He did. This company is very good and they do give me updates if you sign up using my link for them. They reached out to me and let me know this guy was ready. I reached out. Nothing. Reached out again. Text and call. Nothing. The credit repair company reaches out to me and follows up asking if I get a hold of him and was moving forward. I told them I had reached out but had not got in contact with them. They reach out to the guy and he tells them that a friend of his recommended another loan officer so he felt like he needed to go with him.
I sent him a text "Hello ______ MyCreditGuy informed me that you were going to go with another lender. I would ask one thing that you reach out to me so that I can compete to win your business. I feel that the time that I spent helping you get to the point you were able to move forward would earn me the chance to compete. If your current lender beats me then you have the peace of mind knowing you have a great deal and if I beat them you end up with a better deal. I look forward to talking soon" .................... nothing back. Totally ghosted me.
I would wonder if I did something to earn being ghosted but seriously, our last contact was him giving me 5 minutes of praise on how helpful and awesome I was before getting off of the phone. So, I don't think that is it.
If you ever deal with anyone that is in a commission type of job. If you ever take up any of their time then you really ought to let them compete for your business. Now, if they lose out then that is all fair in love and war, right? When I compete it is rare I lose out but it has happened. I have no issues with that. But the few times that I have helped someone and then they ghost me to not even let me compete.... that pisses me off to no end. It doesn't happen often (the last time it did, I know what lender they went with and that they got RAPED on the loan costing themselves thousands and thousands in fees and higher interest... so it kind of makes me feel better lol).
Ok. I feel better. LOL