It was an innocent day at around 11am today and I had actually made my weekly trek to the office.(I work out of my home office) I had procured myself a box of Girl Scout cookies and began working on some doc packages that needed to be sent out to borrowers. Just as I am reaching for another cookie I see this face peer around the door with a smiling face. I looked into this kind woman's arms and there were the usual fluffy "toys" and fancy pens and papers and note pads. I then realized I remember why I don't work in a commercial office....the dreaded loan rep sales calls! I figured that I would make this quick because I had a ton of stuff to do and this gal really needed to help some of the newbies that don't know how to read a rate sheet. I asked her to tell me the one thing that seperates her company from all of the rest of the companies (besides the pink fluffy toy things) and what would make me remember her. I have seen it all before. I know the ins and outs and have heard of every speacialty program there is on the planet. I know credit, I know mortgage, and I know how to down a box of cookies in a half hour so give it your best shot lady: "Well, Mr. Tygart, we will take all three of your borrowers credit scores, add them up, and divide the total number by three" , she said with a smile. "You gotta be 'n me!" I said. "Nope, and if you have a borrower that works and his or her wife stays at home with no income but has a great score, we take all 6 scores (a tri merge from the borrower and tri merge from the co borrower) and once we add them all up we divide it by 6 and that is the score we go off of." Fast forward past the part of me choking on my cookie and needing the himlick manuver from my new found best friend............. I am still in amazment at what I have heard. This company single handidly turn what every borrower that was a couplke points short in score has always said. SOOOOOOOOOOOOOOOOOOO..........when all of you get done computing all of your scores and dividing by 3 or 6...lemme know if that changes your qualifying score at all. This is not a PRIME company but it is deffinetly not a sub prime company. I am still trying to figure a way that I can market this program in my personal business. The only flyer I can think of says: "Yer not gonna belive this s@@t!"...but somehow I think that might not fly by the marketing department too well. Just when you think you know it all, something comes up like this and you just have to wonder how many OTHER things are out there that you don't know about. Good Luck Everyone
