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Jay,
I assume you are responding to me, so I'll indulge you (most likely
for the last time):
> As for offering my clients a deal, what good does it
> do if you're only saving one of my clients a little
> bit of money on one transaction? You could easily
> take a loss on one transaction to get your bragging
> rights, and then go back to your normal fee structure.
RESPONSE: You previously posted that you INSIST that your buyers
"cross-shop" you to ensure that they are getting the best deal; your
statements above are not in the spirit of your initial assertion. What
way do you do it; steer them to known non-competitive entities to
justify your YSP/fees?
>
> You've done nothing on this forum to indicate to me
> that you're worthy of my trust. You do not even know
> what is most important to licensees, as evidenced
> by your inquiry.
RESPONSE: I enjoy you. I seriously doubt that you have taken the time
to read my previous posts, but I've just taken the time to read
yours. You have been active on Google Groups since Mar 29th and the
humorous thing is that you have been single minded in posting the same
thing over and over and over again (check it out yourself by clicking
on "view profile" next to his name). "Home Buyers Beware....Realtors
Are Your Rights" 123 times. I won't take it personally if you do not
trust me, your opinion is without merit or substance.
>
> Let's see if you can guess them, and explain why they
> are important. Every time you make a wrong guess, I will
> post one of them here. You might learn something yet.
RESPONSE: I've posted what I've learned to be the 5 motivating
factors, how many have you listed? Why do not you guess why I'm wrong
and explain why they aren't important? I think that if you did that,
we would all learn something. Let me give you a hint, it has nothing
to do with procuring cause Mr. 123.
>
> I've my originators license so it is legal for me to
> comment on lending documents at the closing table. It
> is beyond the scope of my real estate license to comment
> on those documents, with a few exceptions. It is my
> wife, with my assistance, who handles the mortgage end
> of things. She has no real estate license.
RESPONSE: That's great, but what does that have to do with the thread?
Do you think your tireless self promotion builds credibility with
anyone other then your own ego?
>
> Try to rein in your jealousy. Not all licensees have
> an interest in being involved in the mortgage business.
> It's unlikely to have a major impact on you anytime
> soon.
RESPONSE: For the second time, I neither fear or envy your entry into
the lending industry. This is a multi-trillion dollar industry, with
500K loan officers and + 10K wholesalers servicing that number;
insurance cos. and Wall Street are in on the act.....Donald Trump
opened up a mortgage company a couple of months ago and Walmart is
thinking about giving it a try and trust me when I say, I'm least
worried about what you and your wife are doing. I now realize why you
have opted to do financing in-house; nobody could possibly service that
ego of yours. I must admit though, you are one of a kind....The kind
that I choose to ignore.
>
> PS: We're with a mortgage banker. By the way, I do not
> believe for one minute, given what I know about rate
> matrices, that you can actively track five hundred
> investors. Having them is one thing. Knowing what
> each of them is offering is quite another.
RESPONSE: You have no idea how my organization handles this process,
but I will give you a clue.....IT and data mining. Intranets connecting
investors with LOs and proprietary databases (stuffed with guidelines
and rates) searchable by a variety of variables are just a few of the
protocols that I've at my disposal. Again, I offer to demonstrate my
point by taking one of your clients and challenging your conventions.
It's put up or shut up time with me bub, otherwise I'll have a hard
time taking you seriously in the future. If your true motivation is
what is best for your buyer, and you insist that they shop you to
ensure that they are getting the best deal, then add me to the bid
list.
Regards,
Scott Miller
Commercial and Residential Lender/Broker
1.877.716.6495
EZMortgageLoanz@aol.com
> >>>
www.RealEstate-IQ.com
www.EZMortgageLoanz.com
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Re: ATT Real Estate Agents... What do you want in a mortgage broker?
