Kelly Seeley

So, I'm hoping you will all say "I've done that before" or "I did something even worse!".

I was out on a perfect home tour today with a client. We went to about 7-8 homes. Perfect, sunny, beautiful weather. Weeding out the bads, finding some greats. Well, on the next to last home, I locked my darned phone in the house!!! Of course I locked every door and window as a good realtor does.

Now, I have Treo with my Supra Key built in! HOW EMBARRASSING!!! So, naturally we couldn't get into the next home. I feel really bad but we will look at it another time.

Luckily she is a friend!

Anyone have a better story to make me feel better?

I just got through emailing Fred and I'm sure he will be getting me all the answers, but I thought I'd put this out there for ya'll and see what kind of advice and feedback I get. We need all the help we can get!

Hi Fred.

Hey, I received a call last night from a dear friend. Her mortgage is getting ready to go variable. Her rate now is 8-9%. She says she can't afford the payments due to medical bills, etc. You know the story!

She said she's ready to walk and abandon the home. She isn't upside down as she only owes $136K and the house is probably worth as-is about $150-175K. I haven't done a CMA yet.

I was wondering if this HOPE program would work for her. I understand and told her that she would be giving up 50% of appreciation when she decides to sell and I don't think she cares. She would love to save her home and not move.

Have any suggestions? Oh, her credit rating is terrible.

Love to have your insight on the HOPE program. Or any other programs you think may work for her family.

Last night I was having dinner with couple friends when one shared with us that she is refinancing her mortgage. She began to complain about how hard it was to keep up with the paperwork because she was going through two people to see who could give her the best deal. I asked her if they knew they were competing with another broker and her answer was NO! OMG!

I couldn't believe it. I asked her, if she had a potential client that was putting her up against another consultant for her business, wouldn't she appreciate knowing? Wouldn't she understand that we all should shop to be sure we get the service best for us?

Because I'm not a mortgage broker, I didn't have great mortgage terms to throw out at her, but I did say that brokers are linked with different lenders and it's not fair if the comparison isn't apples to apples. She is getting a VA loan so I'm not sure how many differences there could be, but....it's not ethical, is it?

Have any other good fighting words for me to give the next person I come across that is shopping mortgage brokers? We are all in this together!