It always amazes me that people will take time out of their lives to go online and report things that arent true.
No matter how flat you make a pancake, it has two sides. Of course you just read one side and I've read the other two stories on usacomplaints.com and they all have the same ring to them. (except the divorce decree one, that one was a tad different)
What's happened here is people (the consumer) want information and want the best loan program out there. MIC at least has the common courtesy to come to your home and go over the process. How many other banks will do that? We spend time and wear and tear on our vehicles to give you the personal attention you deserve. We drive hours (over two in this case) to sit down with you and go over the Program and the option available to you.
Now, this particular guy had no problem mentioning my name but was not forthcoming in mentioning his. All we see is "alwayshonest". Well, let's just disprove this real quick and be done with the other side of the pancake. Before we go into the program, we always make a statement and ask a question. We tell them that we're going to tell them about their mortgage and what we're offering, when we're done, if they like it, then say yes and we'll do it, if they don't like it, then we'll be on our way with no hard feelings. If you say, no I will not make a decision, then we pack up and leave because we didn't drive all that way to have to come back.
First let me address why I took his documents and put them on the other side of me. I had to in order to keep them from getting all mixed up with all the other wasted GFE's he'd collected. Sure, he called and someone gave him some numbers that meant nothing and that person that gave them to him was at a desk, on a computer, and done in minutes, probably doing 50 of those a day.
We on the other hand, took time out of our day/lives, drove to his home, explained the whole process to him and at the end of the day, he liked what he heard but yet went back on the agreement he's made earlier which stated, if he liked what he heard, tell me yes, and we would do it, but all of a sudden, he liked it but wouldnt do it, so let's just dispell of the "alwayshonest" nickname.
I am very polite and professional. This is what I do for a living. I'm thankful to MIC for providing me the opportunity to make a living for my family in this unsure economy.
I'd also like to note, that this consumer is also just wanting you to take everything he says based on his word and just because he can come online and slander MIC and throw my name out there, doesn't make it true. I've already proven that he's not "always honest" because the man looked me right in the eye, shook my hand, said if he liked it that he would do it, then told me he liked it, but yet wouldn't do it. Doesn't necessarly sound 'alwayshonest" to me. He had 6 other GFE's there... That was a pretty good time to tell me that "no matter what, he wasn't going to make a decision" I would have been on my way and let the other 6 banks fight it out, but he didn't do that, he told me he WOULD make a decision and then DIDNT after he said he liked it and how we operated by coming to his home and explaining everything.
Futhermore, he claims to have gone with a local bank for less fees and a lower rate. What's that mean??? Do we just automatically take his word for it because he typed it? I don't see a HUD or final numbers pasted anywhere on here to validate that? Just because he types it, that makes it true? He probably swallowed a higher rate and higher fee's because he felt bad that I pretty much showed him that his word wasn't valid. Also, I have been doing this for 6 years and he had GFE's all over the place and as a professional courtesy, I tried to show him that the GFE's he had were not going to be like that at the final table. Alot of mortgage companies lowball you on a GFE then hit you below the belt at the final closing table.By this point, your so fed up with the process that you just sign to get it over with. This is exactly what they prey on. The fact that you will not want to start the process all over again with another bank and just sign. Regretably, about 90% of the people go ahead and sign versus starting over because the process can be grueling.
I noticed this trend on his GFE's and it's easy to send out a lowball GFE over the phone because that's just a person on the phone and they take calls all day and it's a numbers game to them. Send out 50 GFE's and maybe you can get some suckers. However, we run 2 or 3 appointments a day and are mathoughtical about how we inform consumers of the process and how it works. We don't lowball our GFE's. We hit you square in the eyes with the truth.
So where is his final numners and what was his final rate? We don't know but we're supposed to believe him just because he took the time to get on the internet and report us/me but I'm telling you, the reason he did that is because it was his only outlet to being made felt bad because he didn't keep the agreement he made. He was like "dang... That guy made me feel bad because he called me out" I wasn't trying to call him out, I was just trying to get him to be a man of his word. I had driven two hours to see him and two hours home with another hour there, so 5 hours of my day/life was committed to this guy versus 10 minutes from banks that lowballed him on GFE's. So yes, I didn't drive all that way for him to compare us to other banks that were lowballing him.
To prove this fact, it is company and personal policy, that we/I do NOT even go into the program and numbers unless or until he commits to make a decision at the end and that is either a yes or no... We don't drive 4 hours round trip for "let me think about it" it's a simple yes or no. You either like it or you don't. This particular guy said he did but didn't stick to his word but yet he signs "alwayshonet"... How ironic. He mentioned that we don't have time to make two trips? Well, when it's 4 hours, round trip and you're trying to help as many people as you can, does it make since to keep going backwards? If we went back to ever person we saw, then when are we supposed to see new people? To make two trips on this guy when he has insulted me with 6 lowballed GFE's and his handshake is no good? No thank you, I'm more interested in people who are serious about being helped and aren't out there just wasting people's time. I was not about to invest another 4 hour drive. They are already a headache and "notalwayshonest' so trust me, I have better things to do with my time. It sounds like he had nothing better to do with his, other than waste peoples time and the other 5 banks he got bogus GFE's from and has alot of time to sit around and make false claims about people and has the nerve to put their name on the interest but yet hide behind the shield of a nickname and then the ironic part of the nickname is the opposite of who he is.
So, in response to the slander of my name and the company I work for, I simply request this... Before you take the time to go online and vent because you weren't altogether forthcoming, please think of the time and energy the individual spent to come to your home and break down the whole process for you. No other bank does that. They are impersonal and just an empty voice on a phone. We will come look you in the eye, edjucate you on the process and do what we say, so just because you got your feelings hurt, doesn't give you the right to come online and slander our/my name.
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