Everywhere you turn it seems that there’s that common thread of “communication is key” (See Ray Homebuyer’s story here). Now, I studied psychology in college and I’ve seen my share of those “self-help” episodes of Oprah. Even then, it doesn’t seem to stick to people exactly how important communication is.
A couple goes into therapy, first thing the wife says “He never talks to me anymore, he doesn’t let me know what he’s feeling. I don’t know what to do unless he lets me know what’s wrong.” The husband fires back “Well she doesn’t tell me anything either! It’s a two-way street here hun!”. There is obviously a lack of…you guessed it, COMMUNICATION!
It is a two-way street, or actually a three-way street, hun. There’s the lender, the borrower, and the real estate agent.
As a lender my job is to maintain communication with you in real time. Meaning I am to call you, the client, and tell you what’s happening as soon as I know it has happened. After I call you, I call your real estate agent to update them as well.
Your job as a home buyer is to let me know if something has happened, as soon as it happens. The reason why I say this is because as far as I know, you are out shopping for homes. If someone falls ill in your family (heaven forbid, but it happens), you have a change in your financial situation, or you yourself are ill; I not only need to know but I’d like to know.
Your real estate agent has a responsibility to update you on properties, submit offers on your behalf, and negotiate with the seller. It is their job to represent your best interests. They should keep you updated on any activity as far as offers and properties go. Again, they must maintain constant communication.
Your relationship with me is important because I have your financial future in my hands, literally, and that isn’t an understatement. You may not always like what I have to say, but why? I deliver unpleasant news so we can decide where to go next, while you still have options.
In short, please return my calls. Even if it’s to say “I’m no longer interested” but at least I know you’re no longer interested. I won’t cry, even though breaking up is hard to do.
Going back to our couple at the beginning of this article, if you don’t tell me what’s wrong I won’t know how to fix it.
Bottom line, I invest a lot of myself into each client. I will answer your calls at midnight, I will pick you up from the airport because your wife can’t leave work, I will even pick the dog up from the in-laws while you sign your loan documents.
My goal is to do whatever it takes to make sure you can get into a home. I’m not asking for recognition, all I’m asking for is what any other person in a relationship asks for…cooperation.
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