Me fail English? That's unpossible. - Ralph Wiggum (The Simpsons)
I've gone on this mini-rant before, so please forgive me for repeating myself, but I continue to be perplexed that the general public, as well as many of my colleagues, cannot properly pronounce what we do for a living. We're REALTORS, two syllables; not REAL-A-TORS. Nobody calls a doctor a DOC-A-TOR or a plumber a PLUM-A-BER. What's the prob-a-lem here?
Our training director stopped using the phrase "sphere of influence" in her classes and, instead, uses the phrase "center of influence" to describe the group of people upon whom we have some influence just because they know us. Why the change? Too many people were saying "spear of influence." Things might go a little smoother for me sometimes if I DID have a "spear of influence."
Me: Are you ready to list your home with me?
Homeowner: I'll have to think about it.
Me: How about I poke you with my spear of influence. Say hello to my little friend.
Homeowner: Where do I sign?
In addition, Ive noticed some language manglers advertise a house for "sell", while other are "saling" a house. Sell. Sale. It's not that confusing. How about "sailing" a house? Carl did it in the movie UP. Our print and e-mail communications make a statement about us. I think sometimes our grammatical/spelling zipper is down, but we don't seem to notice.
OK, now to some info you can use. As in all occupations, real estate agents and mortgage lenders have their own vernacular. Here are three terms that are used when describing a buyer's loan qualification.
Prequalification - full verbal loan application, credit check, "approve" received through Automated Underwriting.
Preapproval - All of the above PLUS receipt of income documentation (pay stubs & W2's or tax returns) and proof of assets needed for down payment. Review of any unusual circumstances with underwriter.
Loan Commitment - All of the above PLUS signatures on all applications and disclosures, appraisal received and approved, title insurance, rate locked, underwriter review and approval of all documentation.
If you have questions on loan programs, interest rates, closing costs, etc., please contact Grace Bass at Alpha Mortgage grace.bass@alphamortgage.com
And, as always, if you have questions about the Wilmington Real Estate market, please feel free to contact me at any time.
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