INTRO: I wrote this poem while I was working as a Finance and Mortgage Broker’s Assistant. I observed in the industry that not all Mortgage Brokers are the same. All the scenarios in this poem were real client situations. This poem is written about the few outstanding brokers who specialize in helping people in difficult financial situations, which many times has not been the fault of the client. Beverley Joy
People will tell you to “Just call them.”
“If it can be done, they will sort it.”
Finance solutions outside the square
By default, it is a Broker’s flare.
Ordinary people from all walks of life
Who have struck a problem with their finances
Unable to borrow and repeatedly told
“No”, “Not interested” or “Too complicated.”
Lenders demanding margin calls
To withhold client capital growth
Professionals advising when unqualified
Selling property ‘deals’ that are unethical.
Purchases made with family and friends
Handshake deals, loose legal ends
They fall out, breakup, disagree or marry
Now, who pays? How much? Who’s in? Who’s out?
Credit card debt left by the ex
Accumulated tax debt
Credit impaired, a mark on your file
Tax returns that have not been compiled.
Cash-based businesses, disability pension
Accountants who minimize client income
To save them tax and hide the facts
But lenders are not fooled by that.
Acreage so large that lenders won’t touch
Properties too small that land values fall
Low-interest rate with a hidden catch
Lenders that process loans offshore.
People naïve who get conned into ‘deals’
Or life has taken a turn for the worse
Contract workers through no choice of their own
Just want to buy a family home.
A good Mortgage Broker won’t cut corners
To accomplish the best outcome
For loyal clientele
And protect their home.
A good broker reviews a client’s situation
From an open unbiased position
They know there is no easy quick fix
To these finance deals so complex.
There’s a mountain of compliance to climb
A swamp of paperwork through which to wade
A river of questions that flow both ways
A Broker knows the terrain and how to navigate.
Good repour with lenders and negotiation skills
The ability to keep all parties involved
Engaged and committed to the desired end
Reflects years of experience.
A good mortgage broker is the client’s warrior
Going into battle on behalf of these people
An honest, reliable finance achiever
Now that’s a Good Mortgage Broker.
When you are searching for such as this
Don’t compromise, look for the best
Before you commit, put them to the test
Once found, stay loyal, you will never regret it.
Beverley Joy © 2018 of Simply Story Poetry. All Rights Reserved.