What should I do?

This is an open letter to the many folks who have sat across the desk from me in the past month. Together we spent hours poring over scenarios, and figures, and life questions. I want to honor you for knowing that there is so much more to "mortgage" than just finance. We are talking about life changes and the best use of your money and leverage.

Some of you chose me to arrange your financing after our visit, and some did not, and some chose to take no action at this time. So much about the real estate industry is done on speculation – that is, many of us do not get paid unless a deal closes. What that translates to for Realtors and lenders is that we give you our time and energy without guarantee of compensation.

That's okay with me. Every single person who searches me out, who asks me "what should I do?" gets my undivided attention, and the weight of my nearly thirty years experience. They also get the behind-the-scenes knowledge I have gained from making lots of mistakes with my own real estate.

It is my intention to be of service through my business. To the person who said to me "I know you are just wanting to get paid for this": Thank you for choosing someone else for your home loan. I am not a rate monkey. My heart and my creativity go into what I do for you, and it is appreciated by those who are called to work with me.

Thank you for letting me express this. Don't forget that when it's your turn to finance a home, or take a reverse mortgage, to work with someone experienced, someone who will show you all the possible ways to get where you want to go. Please don't settle for less.

Tammy Engel is your local Mortgage Advisor, and has been working for your best interest since 1990. Contact her at 661/822-7325 for purchase, refinance, and reverse mortgage. NMLS #235051 CaBRE #01273839