“I Was Just About to Call You”… and Other Lender Fairy Tales

Let’s talk about something I’ve seen occasionally: loans blowing up – not because the buyer did anything wrong, but because a lender sugarcoated reality until it was too late.

Here are some of the greatest hits I’ve heard loan officers say:

“No, you shouldn’t have to worry about that.”

Translation: Yes, you absolutely do. But it’s easier for me to dodge that conversation – especially since it involves something I should’ve known but didn’t.

“It’s in underwriting. They always approve this.”

Also known as:

“We can probably close early.”
“I’ve never seen this get denied.”
“They told me that should be okay.”

Translation: Cool. So… we’re just hoping?

“I was just about to call you.”

Ah, no you weren’t. You were dodging me. And this fat kid has been around the block – so I tend to ask the questions most agents won’t ask. Maybe that makes some people uncomfortable. That’s fine. My priority is protecting our client.

And here’s the difference: I’m also a licensed lender. If you work with me, you won’t have trouble reaching your loan officer – because I won’t work with anyone at my mortgage shop who ghosts our clients. Period.

And if I refer you to another shop because they’re the better fit?

Zero slacks given to protect anyone’s feelings. Only the client’s outcome matters.

“No, we don’t have clear to close yet… but I expect it today.”

You’ve expected it for three days. You also expected to eat healthy this week.

And yet, here we are.

Here’s the truth:

There are great lenders out there – fast, clear, accountable pros who don’t BS their way through underwriting. And those are the only people I trust with my clients.

My tenets are: Your agent matters. Your lender matters. And they need to communicate well.

If either one isn’t dialed in, things fall apart.

If you want both locked in from day one, I’ve got you.