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	<title>Comments on: Why hiring a mortgage broker vs. working with a direct lender makes sense in today&#8217;s market</title>
	<atom:link href="http://www.sfbungalow.com/2010/05/20/why-hiring-a-mortgage-broker-vs-working-with-a-direct-lender-makes-sense-in-todays-market/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.sfbungalow.com/2010/05/20/why-hiring-a-mortgage-broker-vs-working-with-a-direct-lender-makes-sense-in-todays-market/</link>
	<description>S.F. Realtor blogs about San Francisco Real Estate, Eco-friendly Home Improvement, home buying, home selling &#38; S.F. Bay Area living</description>
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		<title>By: Cheryl Bower</title>
		<link>http://www.sfbungalow.com/2010/05/20/why-hiring-a-mortgage-broker-vs-working-with-a-direct-lender-makes-sense-in-todays-market/comment-page-1/#comment-122</link>
		<dc:creator>Cheryl Bower</dc:creator>
		<pubDate>Fri, 02 Jul 2010 18:46:04 +0000</pubDate>
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		<description>Hi Natasha,

keep up the great work!</description>
		<content:encoded><![CDATA[<p>Hi Natasha,</p>
<p>keep up the great work!</p>
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		<title>By: Natasha Lovas</title>
		<link>http://www.sfbungalow.com/2010/05/20/why-hiring-a-mortgage-broker-vs-working-with-a-direct-lender-makes-sense-in-todays-market/comment-page-1/#comment-121</link>
		<dc:creator>Natasha Lovas</dc:creator>
		<pubDate>Fri, 02 Jul 2010 14:51:55 +0000</pubDate>
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		<description>Hi Cheryl,

Thanks for your vote of confidence regarding mortgage brokers.  As you know, I am one of the mortgage brokers on the Zephyr team and we really love working with Zephyr agents because they are so well-informed and professional.  Not to mention enthusiastic about what they do.

I would like to add a little story about the benefits of working with a mortgage broker versus a big box bank.  One night I woke up at about 4:00 a.m. in a sweat about one of my transactions.  My mind was racing about how to deal with this particular situation.  As I get out of bed, turned on my computer and began frantically working my client&#039;s ratios again, I had a eureka moment:  &quot;Wow, the loan officers at B of A are not waking up in the middle of the night worrying about their transactions!  It&#039;s only the crazy mortgage brokers who do this sort of thing.  The Bank people get paid regardless of whether a loan closes or not, and it one transaction doesn&#039;t work out, their butts are not on the line the way mine is.&quot;

Anyway, in that moment I realized one of those intangible benefits I offer:  I will actually lose sleep in order to make my clients happy and get the job done.</description>
		<content:encoded><![CDATA[<p>Hi Cheryl,</p>
<p>Thanks for your vote of confidence regarding mortgage brokers.  As you know, I am one of the mortgage brokers on the Zephyr team and we really love working with Zephyr agents because they are so well-informed and professional.  Not to mention enthusiastic about what they do.</p>
<p>I would like to add a little story about the benefits of working with a mortgage broker versus a big box bank.  One night I woke up at about 4:00 a.m. in a sweat about one of my transactions.  My mind was racing about how to deal with this particular situation.  As I get out of bed, turned on my computer and began frantically working my client&#8217;s ratios again, I had a eureka moment:  &#8220;Wow, the loan officers at B of A are not waking up in the middle of the night worrying about their transactions!  It&#8217;s only the crazy mortgage brokers who do this sort of thing.  The Bank people get paid regardless of whether a loan closes or not, and it one transaction doesn&#8217;t work out, their butts are not on the line the way mine is.&#8221;</p>
<p>Anyway, in that moment I realized one of those intangible benefits I offer:  I will actually lose sleep in order to make my clients happy and get the job done.</p>
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