The morning California sun bounced off the hood of the white Corvette as the hard charging, last of the original, Mortgage Loan Field Reps weaved his way through the morning rush hour traffic. He was invited by a Broker of a Real Estate office to participate in the office sales meeting, and he accepted instantly knowing it was an opportunity to make in-roads with a very aggressive and successful Real Estate office. A day in the life of a Loan Rep begins.

The Loan Rep was ready, well rehearsed and eager to give his presentation. He had all the necessary facts and figures on the current Real Estate market in his territory. He researched the new FHA loan amounts and advantages of FHA, and what it would mean to his clients, the Real Estate agents. He was ready to give to his prospective Real Estate agents the one thing the dot com lenders and the virtual Loan Reps could never give, that is, personalized service.

It was a hard choice he had to make back in 1994; trying to decide between computers, or staying in the field as a Rep. The Dot Com Mortgage companies were springing up everywhere. Should he continue on like he had been, calling on Real Estate offices in his area, or go with the new millennium lenders, the virtual Mortgage companies? He weighed the many advantages of the new face of Mortgage lending. But he concluded that while he could save money on gas, save time by not making sales calls on real estate agents and relying on e-mail blasts, junk mailings, radio and TV ads, billboards, newspaper ads, and more junk mailings, it just was not the real world of Mortgage lending. It was not REAL to him!

Calling on Real Estate agents in their offices was what he looked forward to the most. It was (and still is) the most fun job you can have while making money. He enjoyed walking in and announcing to all within earshot that his company had a sales contest going on. and he needed their help to win the grand prize, an all expenses paid trip to beautiful downtown Tijuana, Mexico. Of course he was kidding, but nevertheless, his clients, his friends, his brother and sisters in the business were all there to cheer him on. And there were many.

He had been calling on real estate agents for over two recessions, countless Savings and Loan failures, unprecedented interest rate increases and decreases, asinine loan programs and two mountains of new governmental red tape. He had seen FHA go beyond new funding date approvals, VA forgetting their Vets in the last max loan amount increases approved by the government (2008), and gas prices soaring to new levels. And that is only part of what he enjoyed the most about his job, the new challenges. The borrowers were the other part of the job he so enjoyed. Putting people into homes, some for the first time, taking a live loan application and meeting the families were some of the highlights of the job. He loved telling his buyers that they were approved, and still gets Christmas cards from some of them from years back.

He calls on Real Estate offices, Escrow offices, Builders, CPAs, Attorneys, boat dealers, RV dealers, room addition builders, and everyone and anyone that may need money, for he is the facilitator of dreams, the provider of means, the rescuer of businesses and the information and educator of the industry. You can not be all that sitting behind a virtual desk! He has the freedom to succeed or fail, to win or lose, to set his own pace and to be known as the guy to know, the go-to guy for cash, money, credit and the American dream of home ownership.

His fame and fortune did not come easy, and there were moments when finding gas to enable him to visit his clients (1974) was almost impossible, and when he thought that the current 18% interest rate would surely kill the business (1979-1983). The advent of all the super hybrid loans such as the VIR, VRM, ARM, RRM, etc. were the result of a determined industry desperate to get the business going that he loved so much. There were times when he doubted there would ever be any real estate business again (9/11/01), or if the war would ever end, so we could breathe easier and get back to work (1991 and 2003-2008). But every time he seriously contemplated leaving, he looked back and decided that the unstable times would pass, buyers would be buying again, the government would get out of the way, new scams would come and go, and it would be business as usual again! Besides, who would look out for the newbie Real Estate agents when they start getting into the business again? Somebody has got to show a new agent how to qualify buyers!