Mortgage Smorgasbord – Best Steaks World-Wide We only serve steaks. We have every steak imaginable. (100’s of loan products – You need a mortgage professional to help you understand your choices)
APPETIZERS Free Appraisal – Not a problem here. You will just get the dessert that we choose for you so we can pay for this item ourselves. Ever hear of the saying, nothing is free. I guess I could pay for your appraisal if I was making enough money off of you. Sure, it’s free. Costs can be hidden. You’ll pay for it somewhere. No closing costs – Easily marketed and eye catching. One of our best appetizers on the menu. But when we charge you for our mouth watering lobster tail, we will have to double the cost of the lobster. In mortgages, someone has to pay for your costs. You will pay for these costs with a higher rate. We all get our money from the same place, no matter how you slice and dice this. Enjoy. Lowest rate – When you order a dozen clams, we’ll promise you 24 instead. But don’t be surprised if there are only 6 total when you open them. A common term for this is called ‘Bait & Switch’. Loan officer’s can promise you anything no matter if it’s in writing or not. There are so many reasons why they can do this and how they can get away with it. If you are going to shop, take the average of the 5 per se. Lowest doesn’t always mean the best or cheapest. This is why settlements are sometimes delayed or why your closing costs are higher at settlement.
(Please choose how you want your steak cooked) Rare – Your loan officer is alive and kicking. This person will give you A+++ service. This person will be upfront, honest, and real. They will return phone calls and e-mails in a timely manner. They will look out for your best interest, not giving you a loan that might not be good for you. They will ask you your goals, which is very important. Remember this and if not, seek out another loan officer. Medium Rare – Still very good service when receiving this type of loan officer. Phone calls might get returned a day later, but better than you tracking them down. Everything else should be the same as if your order was to be rare. There is a slightly different flavor than the above choice and that’s it. Medium – There could be a small wait for this type of loan service. You might encounter some problems because this loan officer might not have been up front with you. They might not have asked the right questions and now can’t get the loan done in a timely manner. They don’t always get back to you. They finally get you to the closing table, but it wasn’t your best experience. And your rate ended up a 1/4% higher than promised. Well Done – This loan officer was great when you first talked to them. They were nice and friendly. And before you committed to them, they always got back to you. Now it’s been like pulling teeth. Your program has changed and possibly the rate now. But they have told you not to worry. You feel like they don’t think you are alive now. You get to the settlement table and you have some concerns and questions. But you can’t reach them on the phone. You aren’t happy with the higher costs, but you close anyhow.
The Conventional Steak – Fannie Mae/Freddie Mac – Everyone has these same types of loans. Up to 100% financing with the my community loan. You can also do second homes and investment properties under the conventional guidelines. You usually need a 620 credit score. My Community is not always the case. All of these programs are decided by a computers decision based on your information supplied. The FHA Steak – This type of loan requires no credit scores and is a very good program for those with less than perfect credit. You can also get 100% gift monies for the transaction and or up to 6% seller concessions. The VA Steak – You would have had to serve at least 3 months during war time since the Gulf War. Prior to this, you would have had to serve at least 2 years Active Duty. There are other guidelines for those in the reserves. You can do up to 100% financing depending on your eligibility. And you don’t have to be prior military to use VA financing. As long as you buy a home that currently has a VA mortgage and the VA owns it. The non-conforming steak (two choices)
DESSERTS The No referral ever – The cheapest on the menu. You weren’t happy with your service at all that you won’t be recommending any referrals. The Referral – You’ll order this type of dessert all day, because you were very happy with the service that you received. You will have no problem sending friends, family, and even co-workers to this person. It’s like leaving a double tip.
EAT IN or TAKE OUT -- I can help you in 25 states. CA, CO, CT, DE, DC, FL, IL, MD, MI, MT, NC, NJ, NV, NY, OH, OK, PA, NC, SC, TN, TX, VAI never have to meet you in person and you will get the same service and rates/costs as if I was next door to you. Always meeting your expectations!!
Direct Line – 888-835-1663 Direct Fax – 775-361-6619 Processing – 800-587-2762 e-mail : jbelonger@ihmci.com web page : http://www.thefhaexpert.com/ & http://www.nomoneydownbook.com/
Please come back and see me. Always looking forward to your business!!!!
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Mortgages : How would you like your mortgage served to you?
Steaks
52 comments • Jeff Belonger -- The FHA Expert.com -- FHA Loans -- FHA mortgages - USDA loans • June 25 2007 08:59AMComments
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JUST a FYI...... First time working in HTML. I couldn't get this to space correctly between the words Appetizer and Entry. Can anyone help me with that? thanks
And a special THANKS to Nick M. for helping with my border on this.
And a warms thanks for featuring this......
Where is the Steak Tar-Tar
LOL
Cool post
Jeff, you made me hungry.
Well done, No punt intended..
Tom Weiss
Jeff,
You did a great job! Love your menu, now I'm hungry too! LOL! :)
Jeff,
Great presentation of mortgages and professionals. I typically like my steaks (the real ones) medium rare, but now on your menu, it will have to be rare.
Jeff,
Good job on relating the industry with something that most people enjoy.
It looks like you have your font centered. That would cause the spacing to be off. To make it more even, I would put the "()" text under the categories. Good job though on first use of HTML.
James..... I guess you could say that. Even though I like mine medium rare, I will have to take it rare in this case.
Tom.... then you will want A-1 steak sauce. What else? thanks for stopping by.
Thomas..... thanks for the compliment and none taken.
Suzanne.... sure, everyone's hungry. I am always hungry. But seriously, thanks for the nice comments.
Joe..... who said this was for breakfast? lol I guess I would have steak and eggs on here then. And thanks...
Janet..... thank you. I am glad that you loved the analogies, because that was what I was striving for on here. Thanks, I appreciate that.
Chris...... thanks a lot Chris....
Robert...... I appreciate that Robert. I wonder how many will read the whole thing and understand it's meaning and not just get hungry. ;o) ANd I am like you, as I stated to James, I like mine medium rare also. But in this case, rare.
Leah..... you and Jason snuck in there...
Thanks a lot.... this was something that I had thought about last week. Just trying to think about how to incorporate these thoughts into a fun and warm presentation. In regards to the HTLM thing.... just a work in progress. Thanks
Jason.... thanks a lot of for those polite compliments. I hope people read in between the lines and not at the steak. ;o) I'll get the hang of this down the road in regards to the html stuff.
Hey Jeff - congratulations on the feature. Loved this post - creative and thoughful. Perhaps you should turn this into a small tri-fold pocket size menu for marketing purposes.
Jeff
Hi Jeff - what a creative idea this is!!! VERY clever and imaginative!!! You should use this in some of your marketing - mailers, flyers, etc. And now you've made me VERY hungry!!
Ann
Jeff D. ....... I had already spoken to someone in regards to the marketing side of this. Thanks for the input and to use it as a tri-fold. And thanks for the polite compliments.
Jason...... thanks a lot for those enthusiastic comments. It's funny, the blog started out basic and then it just grew after I left it alone for a day. I started to add to it as the day went on. thanks again.
Ann..... thanks a lot Ann..... that means a lot from someone that is creative in her own way with your localism posts. I think we are all hungry. Thanks for the compliments.
Very creative! Lots of thought went into this, and it makes your point beautifully. Thanks for sharing. (P.S. I promise to respond to your meme this week... honest!)
Rob... thanks for the input. I have a couple of ideas and maybe I'll post them once I do them. thanks
Margaret.... thanks your very much. I had fun doing this once it started taking shape. Thanks for stopping by.
Hi Jeff, I'm having such a hectic week and it's only Monday!!! I finally grabbed a few minutes to drop by and check out your latest post. Excellent as always.
I love the presentation but as for a marketing opinion, I have to ask... what are you planning on doing with it? Turning it into a brochure? A new page for your website? Possibly a survey for prospective clients? Let me know. It's really eye catching and I love the creative aspect but as always, the bottom line is what will it do for your biz?
I'm not sure if this was just an exercise in creativity(well done) or if you have something specific in mind. I'm always available to bounce ideas. Later buddy...
Terri....... this was funny? lol Which part was funny? Just curious.... maybe some parts were, but lots of truth behind each so-called dish though. I actually received an e-mail from a client looking to purchase and even mentioned that he read my steak blog. We'll see where things go from there.
But seriously,thanks for the nice comments and for stopping by as always. Now I need to go check on my steak.
Sally...... I am hoping that many consumers read this. As I told Terri above you, I have already had a consumer mention this in their e-mail. ;o) Thanks for the compliment.
Desiree.... thanks for those kind words and for the congrats, much appreciative.
Tony...... thanks.. I might try to do a mini series on this. Steak/chicken/ fish? :o)
Marti..... sorry to hear about your week and it's only Monday. In regards to this post and any marketing ideas prior to this? Nope... it was just an idea that I came up with last week, doodling with notes, and last night I decided to write more about it. It started off with a basic concept of the types of ways that a steak could be cooked. Then I started to think of restaurant menus. One thing led to another, hence why I wasn't even done by 2 am last night... lol
Overall... I am just now thinking of different ways to market this, so I will keep you post. As someone mentioned, I could do some type of tri-fold. Possibly some type of postcard, fliers.. so many things. Thanks for your help, I'll be e-mailing you to bounce things off of you. thanks again...
Gary..... I have the spacing thing figured out now. And thanks for the nice comment and for stopping by.
Lisa...... thanks a lot..... ;o) thanks for your support and for the kind words. Business cards? No thank you... lol I'll stick to mortgages for now.
Dena.... you just snuck in there.... that little girl is my niece. That was her 3rd b-day and she is just so easy to make laugh... and fun to be around.
In regards to this post.... not sure what my plans are. I will market this in some way, just haven't decided on my direction or take on it as of yet. Thanks for the compliment.
Cool Jeff, let me know if you need more feedback later. You obviously put a lot of work into this and it would be great if you could find a way to use it. Nite...
Hey Jeff...
VERY clever presentation. I think ANY TIME you can tell your "tale" using an analogy the better. Dry is dry... and nothing is drier then a mortgage.
Good Job.
Me
Kim..... thanks for those enthusiastic comments. I truly appreciate them And yes, I will keep you posted.
Melody...... everyone's hungry now. Funny thing is that I am always hungry.... lol Thanks for the friendly compliments.
Christy........ I am setting aside ideas for all kinds of possibilities. If you have any ideas, I am all ears. Thanks for the compliment and for stopping by.
Bob & Carolin..... my pleasure and thanks for stopping by, I appreciate it.
Marti...... I am looking forward to talking to you about this. It will be interesting to see what ideas come from this and how it looks after the fact. Thanks for stopping by again.
Craig...... thank you very much sir. From someone that once started some of this creativity here on Active Rain when you did the Christmas wreathe with the pictures. And yes, mortgages can be very dry...... thanks for the compliment.
Missy...... that's okay to be a day late.... ;o) Thanks a lot for that polite compliment.
Ravi.... thanks for those polite compliments. I'll keep you all posted when I move forward with the marketing piece. In 2010.... ;o) Seriously, hopefully in a few weeks or so.
Jay..... thanks a lot for the enthusiastic comments... I truly appreciate that.
Hey Jeff, my right brain loved this analogy. it flows nicely and show you put some time into it. i know i did.. haha!! later man.
ps. that link to your email is just asking for spam. :)
Nick..... your right side of your brain? Do you know what side that is? ;o)
Seriously though, I do thank you with your help. And thank you very much for the kind words. In regards to my e-mail, you are right. Just in two days, I have received 4 to 5 spam e-mails. But I also have received 2 new clients from reading my blogs. And both used my e-mail address... so, I'll take those odds anytime of the day. thanks again...
Jeff,
Great Job! I love people with this type of enthusiasm and creativity for what they do. I'd like to add a note regarding the following copied phrase:
I never have to meet you in person and you will get the same service and rates/costs as if I was next door to you. Always meeting your expectations!!
You never meet them in person but you can work with a field representative who does and is of the utmost patience and competence. People are very receptive to the idea of signing their loan on their own time and the convenience of their own home. I see you cover IA which is where I am at halitek.com. I'm happy to be the face for your loan signings in NW Iowa. I also have a national organization of Notary Signing Agents nationwide.
I guess I'm trying to say two things. #1 promote the local ties and #2 as we at the United Notary Association would say 'Go beyond their expectations' not just meet their expectations and the referrals will ultimately follow. You can promote the use of our members through our Notary Locator at www.unitednotaries.org
Keep up the great work! You are the type of LO we enjoy working with.
www.unitednotaries.org/linda
JASON.... thank you very much for that very polite compliment.
LINDA...... well, I changed companies, so I am not in IA now. But thank you very much for the kind words.....
SARAH..... thanks also for the compliment. In regards to that contest, I didn't even finish in the top 4... lol But then again, I think I had a great idea, just that I didn't have tons of time to put into it and it was slightly above average. thanks again...
Somehow, this blog post came back to life and since I am new to AR, I hadn't seen it before. This is very creative. Since guidelines have changed, does the menu need an update?
Well Done! Patrick
your a damn genius .....
PATRICK..... I am also glad that this resurfaced. There hasn't been much that has changed... the 100% financing... I will take a closer look tomorrow. thanks and thanks for the compliment.
LEWIS..... lol.. flattery won't get you anywhere with me.... Seriously, thanks for that compliment. I am speechless and I wish I could top this one.... I need to get my creative juices flowing again...