I was going to write this as a private email to you, then the thought occurred to me that it might stimulate some interesting discussion here on Active Rain.
Anyway, a bright young loan rep called on my office today, all ready with her company spiel about her lender's sign rider with an 800 number lead capture system.
I told her it against my policy to advertise any lender on our listing signs, and I didn't want the public to think we were in bed with any one particular lender.
As the conversation went on, I also told her that the only things that mattered to me were a). the lender performs on time and as promised, and b). that the lender knows their sh*t.
I asked her that if a client were to ask her advice on whether or not to lock in a rate today, what would she answer. Luckily for me, she was a little uncertain on that one, so I didn't have to come up with any other questions. A question about YSP was knocking at the back of my mind, but I realized I'd have to go back and re-read your YSP tutorial before I opened my big mouth.
Which brings me to the purpose of this little memo.
Brian, could you come up with some "talking points" that a real estate broker (or agent) could ask a potential lender about... for the express purpose of determining if the lender knows their sh*t?
And some commentary about each point? I'd bet I'm not the only person here that would find it useful.
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