Why does the public sometimes views us the way we do? Is there a misunderstanding? Lack of Communication or is it over promising and under delivering..Have you ever thought about it especially for someone who sits and waits to buy their first home..they are excited..overjoyed...but something has gone array..no return calls...and no explanation...we dial...redial...and email..and waste time because we can't get straight answers and in truth any answers..sounds grim right?..and then someone has to be the bearer of bad news but the problem is getting the bad news out!

Loan officers I don't want to be in your shoes..but we all are on the same team..it called working together...communicating...and sometimes being the bearer of bad news!

This is the same loan officer who fed another associate a lead...Our listing machine...nutured that lead and converted into a buyer...who was approved for a mortgage prior to the listing machine working with them...and then...the day of closing...the buyer was not a buyer at all...you want to talk about hard feelings? Similiar situation...we dial...we redial..and email...and the listing machine was let down...when he never received a phone call to let him know...until he spoke to the supervisor...the same supervisor..the one we are dealing with now! Guess when the bad news came out..the day of the closing!

Now I can't say the transaction that our first time home buyer specialist won't go through but you start to assume many things...things start to look grim..especially for the first time buyer who dreamed of owning their very first home, They've already given notice...and are excited about buying their first home but will they?

• When there is a paper trail (email trail) and the loan officer will not respond.
• When a transaction goes on for 4 months...and the buyer is ready..and so are all other parties included the city...but where is that mortgage professional who could not wait to do this loan?
• When underwriting and the loan officer go back and forth and request doc's in the 11th hour when this transaction is scheduled to close on Monday and the city has not been able to get their hands on the numbers. Extension after Extension..you get the point!
  
• When the seller who made it clear no...they will not do another extension..they lost 4 months of market time and then the seller questions was the buyer really qualified?
  
• When a letter of approval was issued and now underwriting is having a field day or is..just an excuse?
  
• Taxes and insurance were not included in the payment...and now the payment and the interest rate may go up because of the lack of thought while putting this loan together.
• When I look up the loan officer on line and find very little..and not only is it difficult to find info on the loan officer but the information I found about the mortgage company would make me run as fast as I can.
  

When I spoke to the loan officers supervisor...she was already aware...she was the one stating emails from underwriting were flying back and forth. I made it clear...

I just want what everyone deserves...the truth and in a timely fashion..so if this loan does not go through...our first time home buyers specialist can figure out her next move and so can the buyer.

Being the bearer of bad news is a difficult job and if you struggle to give bad news you might want to practice..

Otherwise..you waste so much time..money and effort..and there are many parties involved...

Good...Bad or Ugly news...people deserve to know the truth...and in a timely fashion.

Keep your fingers crossed..

I've seen this hot shot...pull rabbits out of her hat..its a good thing...because she might very well have to do that to get this first time home buyer into her new home!

Do you have trouble bearing the bad news? If you do...I suggest you get better at it...because as you know...its part of your job!

Real Estate is not all fluff...its business!

Although in many parts of the country..the weather has been extreme we've been lucky. Even these beautiful wild flowers can handle the Daytona Beach Cold Weather!It's been beautiful!

Need to get out of the cold and spend your winters on the beach?Call Midori Miller, CENTURY 21 Sundance Realty (386)453-3236 or visit my website....DaytonaRealEstateTrainer.com

"It Would Be My Pleasure!"

Today I will be filled with emotion..growing up as a Japanese American in the 60' and 70's was not easy for me. Kids were cruel and their parents not better...but I never blamed anyone. Even as a child I knew our world would change...and someday it would be acceptable and much more tolerated...race..ethnicity

I went to catholic school..and befriended a boy..whom I will never forget...there was something so extraordinary about him but in our youth most wouldn't recognize his merits because the color of his skin.

I think about my elementary school friend Richard...every now and then!

Today while many things have changed we still need change and more of it...and as a country..united..we can accomplish just about anything!

He might not have gotten your vote but he is our President and as our President he deserves...respect..a fair chance to prove himself and the American People to pitch in!...and I am proud...grateful and excited that I am here today to witness this history in my lifetime!

I Support Our President, Barack Obama!

I know there will be those snickering...those that are quite vocal...and those who probably won't support him..but he does not make the United States what it is by himself..for the people...by the people...it's the people..and with his leadership..and the people's support I believe in my heart as a nation.....

Yes We Can!

Disclaimer: The opinions expressed by The Activerain Network and it's members and those providing comments are theirs alone, and do not reflect the opinions of Midori Miller AKA Daytona Beach Real Estate Trainer and /or CENTURY 21 Sundance Realty. Midori Miller and CENTURY 21 Sundance Realty are not responsible for the accuracy or content provided by The Community.

His Dream Must Live ON!

Can you pick out......El DeBarge, Fat Boys, Full Force, Grandmaster Melle Mel, Whitney Houston, Kurtis Blow, Stacy Lattisaw, Lisa Lisa, Teena Marie, Menudo (with Ricky Martin), Stephanie Mills, New Edition, Run-D.M.C., James "J.T." Taylor, and Whodini.

Disclaimer: The opinions expressed by The Activerain Network and it's members and those providing comments are theirs alone, and do not reflect the opinions of Midori Miller AKA Daytona Beach Real Estate Trainer and /or CENTURY 21 Sundance Realty. Midori Miller and CENTURY 21 Sundance Realty are not responsible for the accuracy or content provided by The Community.

Sounds extreme right? Think again...

Scenerio 1

Just imagine if you were a tenant trying to get into your home on Christmas Eve..gated community and all of a sudden you can't get into your house..neither can your room mates. Imagine the stress a mother feels..when her son is so far away..she does her part and calls all her connections he and his room mates gets back in and before you know it..they find out...No tenants allowed..they had a lease and now..there is an eviction notice..on the door but not before the landlord fabricates a story...a story to the HOA..and the tenants don't want to take part nor does the mother...

Now the landlord is upset because it could have worked if only the tenants had gone along with the story and now without a choice the landlord must evict these young men.... they are now looking for a new home for the boys!

Scenerio 2

While there are record numbers of short sales on the market... you have to wonder, how many of these properties are on the market for rent today? And what is the intent...to get current on the mortgage and continue paying..or will there be more stories of tenants with eviction notices on the door?

Tenant Beware It Could Happen To You!

I don't necessarily mean do a background check but maybe everyone should do their homework...

• Screen the landlord like you would a buyer or seller
• Public records are accessible on the net and in some states...Liens and Lis Pendens are public knowledge
• Read and understand the Tenant and Landlord laws

Tenants usually pay first last and security...they sometimes have their credit pulled..background check done..a determination is made if the tenant can pay the rent....they go through quite a process...and maybe so should the landlord!

Disclaimer: The opinions expressed by The Activerain Network and it's members and those providing comments are theirs alone, and do not reflect the opinions of Midori Miller AKA Daytona Beach Real Estate Trainer and /or CENTURY 21 Sundance Realty. Midori Miller and CENTURY 21 Sundance Realty are not responsible for the accuracy or content provided by The Community.