Real Estate Financing...

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Being A Mortgage Guy...

I was reminded of something on a long conversation I had with a lady yesterday and yet again after reading a recent post by David Podgursky.   I spend a large part of my life working....I do Mortgages.

CLICK HERE & THEN READ!

Let me explain further.  There are only so many hours in a day, only so many days in a week, and only so many weeks in a year.  Yet, a lot of us spend a large amount of those hours, days, & weeks doing what we feel passionate about doing...our chosen occupation.  Sometimes, I forget to explain what I do and why I do it.

I've pointed out before that I hardly knew what a Mortgage encompassed before entering this industry 6+ years ago.  Then, I caught the bug.  I became enamored with everything I could help with in other's lives, and there was a monetary benefit and intrinsic something you can't put a label on, if I did it well.  That was appealing, still is, always will be.  When I came to Allentown almost 8 years ago, I would of never imagined fancying myself on being a financial guy. 

After garnering a bit of knowledge & experience in this industry, I was hungry for more.  So what is it that I do exactly?

If you are looking to purchase a home or Commercial Property in Pennsylvania, I am here.

If you want to refinance a home or Commercial Property in Pennsylvania, I am here as well.

If you have questions about the mortgage process, I'm a phone call, email, or I even come to you....even though I'm direction-less:-)

Yet, before I ask for business from anyone out there in Cyber-land, I request a couple of things.  I request I earn your trust and you acknowledge my passion for what I do.  The reason I request that is because that is what I look for when doing business with anyone in any facet of life.  I could sit here and type out the numerous products and programs I have access to for every kind of borrower under the sun...but I gotta be honest, my product list is as extensive as pretty much anybody else's.  The difference in the end isn't necessarily the presentation, nor the expectation, but the demonstration and result.

That is what I do.

Why I do it is simple.   It has become my passion.  I love rasslin & writing, but they are hobbies in the face of an Industry I've grown to have an Extreme Passion about.  I like being a financial detective, I adore helping somebody become a homeowner or getting them out of a financial jam.  I love doing my part in the Real Estate Industry in changing it, evolving it, & helping others grow into it and with it.  I feel it my duty, one I don't mind doing at all.

This forum allows us all to reach out to the public and also allows the public to touch back.  Real Estate doesn't have to be some great big mystery or scandal, it very well can be just another aspect of life made easier...if you find the right people to surround you.

That is why I do it.

 

 

29 commentsJason Sardi, Mortgage Banker • July 07 2007 09:05AM

Comments

So go do something about it!!

Keep on writing and showing us what you know... make it more than a hobby

you've been doing a great job. 

Now it is time for you to help the rest of us that are trying to set a higher bar in the industry to get good information out there and help our consumers through our writing.

I know you're doing it... now we have to kick it up a notch.  This past week's Mortgage Week in Review proves it.  Even the old standards are not writing about our industry.

Posted by Boca Raton & Lake Worth Florida Real Estate Broker over 2 years ago

Jason,

I really like to read all of these posts and yours especially, they seem to relate to everything I do and what my thoughts are, It's nice to see the passion in doing something you love, This business has been missing it for a long time. I am the same way as you Jason I will do what I love to do, and I will do it well, unfortunately we have major obstacles in our way, I do see you though as being a huge success, so keep it up Bubba!!!

Later Dude..

Tom Weiss

Posted by Thomas Weiss (Thomas R. Weiss) over 2 years ago
Kick it up a notch eh?  I think I can handle that...well spoken David and you are right.  The fun and games are over, it time to talk shop...and add a bit of fun & games along the way.  Kick it up a notch, abso-Freaking-lutely!
Posted by Jason Sardi, Mortgage Banker (FHA-VA-USDA-Conventional-Pennsylvania Loans) over 2 years ago
Tom - We do have major obstacles, as does every aspect of life & business....together, or apart, we will overcome or die trying!  I appreciate your remarks and I truly believe the time has come today....to take charge and keep helping ourselves by helping others.  Ok, that may sound cheesy and politically correct...which I'm not ( I hope ) yet if you give, your own life will continue to grow.
Posted by Jason Sardi, Mortgage Banker (FHA-VA-USDA-Conventional-Pennsylvania Loans) over 2 years ago

Hey Jason,

Speaking your mind regardless, never sounds cheesy, thanks for the positive uplift, I know I can use it:0)

Tom

Posted by Thomas Weiss (Thomas R. Weiss) over 2 years ago

Tom - Lol, every now and again and always, I'm pretty darn sure everybody can use a positive uplift.  Cheesy or not, it doesn't much matter. 

BTW - I can be real cheesy:-)

Posted by Jason Sardi, Mortgage Banker (FHA-VA-USDA-Conventional-Pennsylvania Loans) over 2 years ago
What's with the cheesy remarks lol!  You are passionate about writing about anything...including your profession.   Keep the balance and keep on writing. I for one come to your blog for the variety as well as the insight on the mortgage industry...because you make it interesting. Thanks!
Posted by Celeste "SALLY" Cheeseman HAWAII Relocations & Real Estate (Century 21 Liberty Homes) over 2 years ago

Wowsers!  Thank you Celeste.  I do it from the heart...

 

Posted by Jason Sardi, Mortgage Banker (FHA-VA-USDA-Conventional-Pennsylvania Loans) over 2 years ago
Funny, Sally and I thinking alike again -- who would have thought?  ;o)  You DO make it interesting!  (Although I'm a huge fan of off-topic.  Sorry, David.)
Posted by Sarah Cooper (Real Estate Shows) over 2 years ago
Sarah....jason can't get out of the habit of the name thing. Heck...as long as he doesn't call me auntie or something like that lol!
Posted by Celeste "SALLY" Cheeseman HAWAII Relocations & Real Estate (Century 21 Liberty Homes) over 2 years ago
Once again Solid Post!  When people read things like this they know you are for real!  Jason, I am not approved to do loans in PA but if anyone ever asks me if I know anyone there to do a loan I will pass them onto you with a clear conscious.  I have been reading your blogs for a while now.  I am impressed.
Posted by Rey Gallegos Mortgage Loan Officer Las Vegas, NV (A Mortgage Bank) over 2 years ago

Sarah - I like/no, love/ off-topic too, but who am I kidding, I got here because of what I do.  Might as well keep on moving...

Auntie - Sorry, I'm a hard habit to break, or hard to break a habit.  Woo-Hoo!!!

Rey - Thank you much Sir, very appreciative of the compliments!

Posted by Jason Sardi, Mortgage Banker (FHA-VA-USDA-Conventional-Pennsylvania Loans) over 2 years ago
Jason, I call them like I see them!  Good job!
Posted by Rey Gallegos Mortgage Loan Officer Las Vegas, NV (A Mortgage Bank) over 2 years ago
Funny, little boy. Keep it up and Auntie will reprimand. :)
Posted by Celeste "SALLY" Cheeseman HAWAII Relocations & Real Estate (Century 21 Liberty Homes) over 2 years ago
Ooh, Sally's gettin' tough! LOL! 
Posted by Sarah Cooper (Real Estate Shows) over 2 years ago

WooHoo - Tough Love?:-0

Sarah - Don't mind me, I'm hiding......

Posted by Jason Sardi, Mortgage Banker (FHA-VA-USDA-Conventional-Pennsylvania Loans) over 2 years ago

Tough love kid....tough love.  I always told my son that as long as I could lay him on the ground he had to listen...that ended at age 10.... now he's 26 lol!

Posted by Celeste "SALLY" Cheeseman HAWAII Relocations & Real Estate (Century 21 Liberty Homes) over 2 years ago
Lol, I am almost 31 and there is very few that could lay me on the ground....at least physically.  You have my respect WooHoo, so giveth upon me thou Tough Love!
Posted by Jason Sardi, Mortgage Banker (FHA-VA-USDA-Conventional-Pennsylvania Loans) over 2 years ago
Jason this is a fantastic post!!... I have the bug as well... This is what I do as well in South Florida.....
Posted by My Favorite Mortgage.net - Matthew J Blum over 2 years ago
Thanks Matthew and from my understanding, you do it pretty darn well!
Posted by Jason Sardi, Mortgage Banker (FHA-VA-USDA-Conventional-Pennsylvania Loans) over 2 years ago

Hi Jason,

I wasn't sure if this post was for us or for the consumer. But that's OK. But my question is how do you expect a "lead" you get off the internet  to learn to "trust" you? I really want to know. This is a universal problem.

Bill Roberts

Posted by Bill Roberts - "Baby Boomer" Retirement Planning (Brooks and Dunphy Real Estate) over 2 years ago

Hey Bill, 

It was for both.

Very good question that you raise Bill.  My answer....Time.  Whether it is speaking with somebody over the phone, email correspondence, or them coming to my office or me to them, I've had a good deal of my clients come from the net.  I've learned that patience, follow-up, and time to address their needs/questions/concerns helps little by little to break down the barrier of finding somebody to do business with in such a fashion as over the Internet.  There are a lot of ways to communicate, yet time seems to cement the trust you ask about.  That's my opinion at least.  Some of my best clients were ones I encountered, or they me, over the net. 

Posted by Jason Sardi, Mortgage Banker (FHA-VA-USDA-Conventional-Pennsylvania Loans) over 2 years ago

Thanks Jason. Time is always the best answer, but what about when they need a loan right now? I guess they need to take a chance on you. And that is difficult when you are competing with "the biggest liar."

The biggest liar is the LO that quotes them the lowest rate.

Bill Roberts

Posted by Bill Roberts - "Baby Boomer" Retirement Planning (Brooks and Dunphy Real Estate) over 2 years ago
Bill - I'm not sure there is a magic answer....so I'll tell you how I established a relationship with one client I got over the net.  They wanted to get a loan now but were shopping. They wanted me to quote them a rate, I did, I asked them if they were sitting down.  They said they were and then I quoted them a rate that was probably 2% higher than what they were hearing, let alone what they deserved according to the market.  They were stunned.  There was silence.  And then we started talking, really talking.  In that particular case, they opened up very fast because I (on occasion) can be very sarcastic.  Worked with them and they refinanced their home through me at a rate they still brag about.  Of course, it's not all fun and games and not every story has a happy ending.....yet I compete with the biggest liar by being the same old me.  Sometimes it works, often times it doesn't.
Posted by Jason Sardi, Mortgage Banker (FHA-VA-USDA-Conventional-Pennsylvania Loans) over 2 years ago

Jason, It sounds like you are very well founded. I'm impressed. Keep it up.

Bill Roberts

Posted by Bill Roberts - "Baby Boomer" Retirement Planning (Brooks and Dunphy Real Estate) over 2 years ago
As always, well put Jason.  Always try to treat your clients as you would want to be treated in a perfect world and you will always come out looking like a champ.
Posted by Steven Shewell, The Mortgage Maverick (Primary Residential Mortgage, Inc.) over 2 years ago
Thanks Steven, the Golden Rule is key.
Posted by Jason Sardi, Mortgage Banker (FHA-VA-USDA-Conventional-Pennsylvania Loans) over 2 years ago
I can't say it, Jason.  ;o)
Posted by Sarah Cooper (Real Estate Shows) over 2 years ago
Say what?  ... Lol
Posted by Jason Sardi, Mortgage Banker (FHA-VA-USDA-Conventional-Pennsylvania Loans) over 2 years ago

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