WHY I BECAME A REALTOR®

Would you apply for a job if the classified ad looked like this?

Professional needed — Must have extensive knowledge of area and geography, exceptional interpersonal relations and superior negotiation skills. Willing to work nights and weekends. Will need to generate leads consistently (and handle rejection), since more than 75% of leads will not result in actual transactions. Contact us today!

I did. And I love it!

I think it’s important that you know just why I became a REALTOR® — and why I work so hard for my clients.

Image courtesy of jesadaphorn at FreeDigitalPhotos.net

Image courtesy of jesadaphorn at FreeDigitalPhotos.net

My Mortgage Background

During the real estate “boom” of the early 2000s — which became the real estate “bubble” that burst a few years later — I was actually working on the mortgage loan side of the business.  

The first lender I worked for was one of the biggest names in the industry. And although I saw a lot of loan officers go for the fast and easy money, I refused to put people in loans that they wouldn’t be able to handle (especially the adjustable mortgages).

The second company I worked for was a much smaller lender, but the bubble at that time was about to burst (and the recession was beginning) — so the leads began to dry up and everybody was struggling.

I’m proud that I never put a client in a bad loan, and that I did my very best to clearly explain to each and every customer what they were getting into when they signed those papers. And those experiences would serve me well in future years, both as a REALTOR® and as a homebuyer myself.

Lessons Learned From Personal Experience

My husband and I have bought and sold a few homes, and we had different experiences each time — some good, some bad … but I learned something from each and every one of them.

I learned that every client (including myself) wants a REALTOR® who is:

  • Hard-working. Someone who’s committed to doing the legwork to find the right place.
  • Dependable. Someone who arrives at the right place at the right time — and is available beyond regular working hours.
  • Honest. Someone who tells the truth at all times — even when it’s not what a client wants to hear.
  • Attentive. Someone who listens to the client’s “wants” and “needs” — and doesn’t waste their time by showing them homes that are clearly not the right fit.
  • Detail-oriented. Someone who makes sure all paperwork is accurate, and that every person involved in the transaction has all the information and forms they need.
  • Knowledgeable. Someone who is up-to-date on market conditions and prices, geographic areas, communities, neighborhoods, etc. — and has resources such as lenders, appraisers, stagers, and other related professionals.

My 5 Goals For Every Client Relationship

  1. To help each client find the right home at the right price. I make sure their mortgage professional gets them the right type of loan at a good interest rate.
  2. To be friendly. We’re in a “people” business, and being professional and courteous helps put everyone at ease.
  3. To be honest. It’s how I am at work and in my personal life. I have no time for anything less than the truth, and my clients deserve 100% transparency.
  4. To be reliable. I will be there when I say I will, and my clients can depend on me for answers, advice and encouragement.
  5. To help my clients understand everything, every step of the way. Combining my mortgage experience with my personal home-buying knowledge, I’m able to walk my clients through the entire home-buying process.

The Bottom Line

I love my job. I get to help people find a place to live — whether it’s a single person or a big extended family — and I take that responsibility very seriously. I do my very best to make sure that they’re truly happy they chose me as their REALTOR®. 

So now you know my story! Tell me yours — and how I can help you buy, sell or lease your next home. Contact me at 267.566.3448 or email me at shannon.rubin1@gmail.com today!

© 2014 Shannon Rubin.

 

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Choosing the Right Mortgage Lender

(This post is Part 1 of my “Mortgage Lender” blog series. Coming up in my next blog: “Working With Your Mortgage Lender.”)

Image courtesy of fotographic1980 at FreeDigitalPhotos.net

Image courtesy of fotographic1980 at FreeDigitalPhotos.net


One of the most important decisions you’ll make as a home buyer is choosing the right mortgage lender. It’s really the first major step in your decision to buy!

If you have the full cash amount to pay for a house, you don’t need a mortgage. But most people need to get financing — and what you really need is a reputable mortgage company and a loan officer you can trust.

This is your home we’re talking about, and the big monthly bill you’re about to start paying for years to come. You deserve to work with someone who’s “got your back!”


MAKE SURE IT’S THE RIGHT PERSON

A good starting place is getting referrals from the people you trust the most — your family, friends and colleagues. Get some names of mortgage lenders they’ve worked with — chances are, if they really enjoyed working with them, they still have their card and contact information handy.

Then, check out the company and loan officer online. Search their names and look for any reviews of their services, because many people like to share their experiences — both good and bad — online for others to learn from.


“WHAT CAN YOU DO FOR ME?”

Whether it’s on the phone or at an in-person meeting, the best way to get to know your loan officer is to ”interview” them. Here are some questions to ask:

  • “Will you walk me through this process?
    Real estate transactions can be very complicated. You need someone who will take the time to explain all the terminology and details.
  • “Do you have a lot of clients?”
    You also don’t want to be treated like a number. Obviously, you’re not their only client — but you do matter and deserve to be treated well.
  • “Are you reachable?”
    A good loan officer is responsive. They’ll take your calls, respond to your emails and answer all your questions in a timely manner.
  • “Can you deliver on your promises?”
    Your loan officer needs to meet deadlines and back up what they promise — especially when it comes to locking in your mortgage rate. And there should never be any hidden fees or “oops, I forgot to mention this fee!”

And finally, get referrals from other satisfied customers. If they’re good at what they do, they should have plenty!


ASK ME

If you have a question about mortgages or choosing a mortgage lender, let me know!

I’m a REALTOR® who also worked as a loan officer in the mortgage industry — and I can help point you in the right direction.


Are you ready to start the homebuying process? Call 267.566.3448 or email me at shannon.rubin1@gmail.com right now!

© 2013 by Shannon Rubin.

Image courtesy of fotographic1980 at FreeDigitalPhotos.net