Yestarday My wife and I go to our local bank to discuss a loan for a house that we are planning to build. We talk to our loan officer and go thru all the basic shit you have to go thru to get a loan…no problem.
Of course they run a credit check and tell us we should know today if we were approved. We were all very sure that we would get the loan with no probem (although my credits not perfect I’ts pretty good).
Well…I call today and I get my loan officers assistant. She tells me sorry…You have been denied :eek: Were talking about our dream home here folks.
So, I ask what can we do now. She tells “Get your credit straightend out.”
So I go home to give my wife the bad news. Of course my wife begins to cry. I feel totally helpless.
Then I get a phone call about an hour later from THE loan officer. How are you doing MR. RG?
Not to good. I say.
Why? she says.
Well Duh I got denied for my loan. I say.
Who told you that?
I tell her that her assistant told me not more than an hour ago!
No. she says. Youve been approved My assistant has no business telling you such things.(She apparently got my loan mixed up with another persons loan).
I’m happy and pissed at the same time.
Kinda long I know…
And maybe I shouldnt be so mad at the assistant for the mistake.
But seeing my wife cry like that…
So fuck you miss assistant loan officer!
And dont make those kinds of mistakes with peoples lives again!
Weakest. Rant. Ever…But I had to get It off my chest.
Well, it sounds like the loan officer is probably going to give the assistant an earful after this, so at least you have revenge-by-proxy.
I go fucking batshit when someone makes my wife cry. I understand completely.
Haj
Me too!
(and my wife IS a home loan officer… her advice is to shop around, you might be able to get a better deal than the one your local bank offers, depending on many factors, of course. But don’t overstate your income or any other factor [not to imply that you would!]… nothing cheeses her off more than to spend a couple of hours calculating to find the best loan program for a borrower and then have them tell her that they don’t make quite what they told her they did, or that they don’t report 50% of their income to the IRS, and so can’t verify their income, etc. 
)
If you have any questions about home loans and want an unbiased opinion, send me an e-mail, and I’ll run it by the wife… she loves this stuff!
It’s one thing to make a mistake and swap loan papers, it’s quite another thing to be rude and insulting to a customer. I would definitely shop around at this point, get the approval from this bank, if you find a better deal elsewhere, go there instead. Then make it a point to tell your loan officer that you decided to look around because the ASSistant decided to blow you off instead of being helpful.
Well, ok, I probably wouldn’t do that, but I’d think about it really hard! And you should mention this little quote to your loan officer, that’s not the way to do business.