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Buying a pair of shoes, a camera or a designer purse can easily be done through eBay or Amazon, but the idea that you can purchase a home or obtain mortgage advice from a call center “professional” in Detroit, Florida, Los Angeles, India or the Philippines seems a little off to me. Buying a house as your owner-occupied residence is not only a buyer’s largest purchase, but it is also an incredibly big deal for a family. Moving into a new house in a new neighborhood that you are going to potentially experience 30 to 40 years of holidays, birthdays, births, graduations, weddings and family barbeques is a way bigger deal than buying products online. In just the past 90 days, I have witnessed local Realtors fight hard to help their clients win bidding wars and get into dream homes and starter homes. I have also witnessed local listing agents and sellers generously negotiate appraisal and repair problems to keep the transaction together. Every day I witness top producing agents and new up-and-coming real estate professionals working nights and weekends in support of their clients’ goals and needs. On the mortgage side of the business, in just the past 90 days we have helped a few of our clients save $80,000 in actual cash. Three of our clients took our advice and improved their FICO scores to a point that they were able to get a better rate and reduced cost. One of our clients improved his FICO scores over the past 90 days to a point where his loan was approved last month after having no hope 90 days earlier because of a couple of mistakes that he was able to get corrected with the credit bureau. Many local lenders fight for their customers and do similar hard work for their valued clients and referral partners.
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