What Are They Saying Behind Jesse's Back?

"Cold Call Busters"

Often times, people will cold call up and "pitch" something that sounds really good to a homeowner.  There is no relationship, there is no plan - it's just a great rate and a great fee.
Not to be cynical - but there is no such thing.
-Everybody lends from the same pool of money.
-Everybody borrows on the same pool of interest rates.
There is no "magic program" or "secret rate" out there.
So if you hear that and it sounds too good to be true - it probably is.  Luckily for a client of mine - she called me to ask what my thoughts were about this "special deal" she had been pitched by a faceless lender over on the east coast.

After pulling the curtain back on this guy's scheme and revealing to my client what his offer really was - I received this message the following day.  I thought I would share it with you:

I believe a mortgage strategy is the most effective tool against the common cold (call).

"Al & I have complete trust and believe in you."

From: Yolanda
Sent: Friday, 2:10 PM
To: jesseibanez@mlscorp.com
Subject: RE: Follow up

 

Hello Jesse,

I really appreciate you helping my father-in-law. 

Al and I have complete trust and believe in you.    With that being said Al and I will continue to refer our friends and family to you. 

Have a wonderful afternoon.

Your friend in Bakersfield,Yolanda

Ms. Mindell's message about the Charles Schultz letter

Ms. Mindell sent me back some appreciation for a letter I had written her about the Philosopy of Charles Schultz; I am thankful that she is the type of person who can appreciate that.

If you are interested, I would be happy to send you a copy of that letter.  It had the same effect on me when I first read it.

Update: Brenda & "Speedy" After Thier Remodel

"Jesse is my consultant.  When we got into a very personal family situation, I said to my husband - we need to call Jesse;  Because he is not just our loan guy, he is our financial consultant and we need to tell him what is going on and ask him for his advice.  First thing he tried to do is talk me out of a loan.  He wanted to explore every option in the book that would conserve me equity and still remedy our situation. "

"In the end, it was credit cards or a Fee Free Home Equity Line which was at a 15% lower interest rate, tax deductible*, and just in time."

"Its about everything that we are DOING.  Hes got our wishlist there of everything we are doing…
And if he cant help us he points us in the direction of where we can get help.  And that’s what separates him from a loan guy.
Its an empowering process.  Once you take ownership in the options and process of education, its no longer about "hope" or "wishing".  You own the decision based on a process of education, and the empowerment of choosing your structure through the use of options.
It calmed me way down."

PS - Yes, that is them superimposed in front of their home. :) - J

Jobi Mindell: Newsletter VM

Jobi Mindell was kind enough to show her appreciation to my handwritten Newsletter that I send to my community of clients every month.

Oh Yea - and her correct answer to my monthly quiz question got her a $25 gift card at Barnes & Noble

Robert Campbell: "I got better service from you than I got from my own son!"

Jesse;

...as the way the economy's going, I don't believe rates are going to stay at these low rates.  Heard last nite there are ~900,000 foreclosures currently, and mortgage companies folding at a high rate.

I'll keep you posted and have no concern that with your personal dedication to your clients, I have no intention of going to anyone else.  I got better service from you than I got from my son!

Best, Robert

Robert Campbell
Tucson, AZ

Chance & Elena, In Their Own Words...

Hi Jesse, We are expecting a few pieces of furniture and then our condo will be more or less complete. We would like to get the picture taken after the new coffee table and things are in place. Hope everything is well there. Thanks, Chance

_______________________________________________________________________________________________________________________________________

 

"My Wife and I could not be more happy with the deal we were able to reach using the services of Jesse Ibanez and MLS Corp. MLS delivered a very competitive loan package no sooner or no later than needed. This saved us a few hundred on the interest per diem charges. Also, Jesse was able to approve a last minute change that reflected the condition of falling mortgage rates during the time of our closing. Because of this special interest he showed us we were able to get a loan 0.23% lower on our first mortgage at no extra cost. We can honestly say that Jesse with MLS Corp. exceeded our expectations and we recommend his services to anyone." 

 

Chance & Elena

 

El Cajon, CA 

"Speedy" & Brenda Barnett

In less than a year that we have been working with Jesse, we have learned a lot and is more than just our mortgage specialist.  At the beginning I was so discouraged with everyone that I talked with that I called the 800 number off of one of those mortgage rate letters, I was lucky enough to get hooked up with Jesse.  Our first loan through Jesse was a wild ride, but he remained calm and didn't give up on me (us).  I knew nothing of what I was doing except "30 year fixed at a good interest rate".  I have learned a lot from Jesse, and I thank him for that, I am getting better!
He has helped us also with a  second loan an Equity Loan, time to learn some more. And for the first time in my husbands life and mine we now own our very first NEW car. We have no credit card bills and are finally on the right track.  We are working on putting up a block wall around our house with wrought iron and then level off the property.  If it wasn't for Jesse, we would have been to scared to do it.

Jesse has become more than our Mortgage Specialist but, also our friend there was a day I was doing really bad and my head was spinning, when the phone rang and it was Jesse.  He talked with me until I calmed down, and I think we both forgot why he had called, thanks Jess.  I love talking to him and so does my husband, even though it is mostly me that gets to talk to him.  I even had all of his phone numbers memorized we talked so much.

Anyone looking for a Mortgage Specialist, I highly recommend Jesse.  When ever I here of someone looking for someone I give them Jesse' phone numbers.  He is a delight to work with and patient enough to get me to understand what it is that we are doing, I trust him completely.  Soon, we will be refinancing again, back to a fixed with Jesse.  In the mean time we keep in touch with everything that is going on and somewhat planning the next move. 

Thanks again Jesse, your the best.  I will get someone over here to take a picture of us outside the house. I will get it as soon as possible for you.

Brenda & "Speedy" (Henry) Barnett
Riverside, CA