Bill Black

I don't agree to offer anonymous data collection- it may be effective but in my experience without having massive numbers of clients or complete strangers- you usually know who the person was but then limited to dealing with it- since it anonymous. I use Jotforms and explain to them it's a tool that collects input to create betterment- I need them to be honest, I have thick skin and it takes a village.

When it comes to feedback, direct is best. I always kick off our journey by laying out how important client input is. I frame questions to encourage constructive criticism, not just praise. Instead of a general satisfaction check, I ask specific ways we can improve. This approach prompts deeper reflection, leading to more insightful feedback. I will review my post close customer survey at initial application to show them what I expect from myself in order to get that 5 star review. Expectations minus Experience is Satisfaction and I need their feedback along the way if at anytime they experience me or the team drifting out of our lane.

Without "trust" we're just skating on thin ice. Face to face is preferred- break bread if you can. Transparency about our processes and intentions helps- and I tend to fall on my sword with admitting that I've been doing this so long that I tend to speak fast and steam roll the conversation- so I ask permission to ask them what they're hearing. Additionally, showing genuine interest in their needs and concerns, coupled with assuring them that their opinions matter, can encourage them to open up. Implementing strategies like regular check-ins, and surveys can also create opportunities for clients to share their thoughts comfortably.

Never buy in to a company being your branding. I'm Bill Black the Mortgage and Real Estate Pro. There's no name of a company that can make me any better than I am.

Quick Answer: ME I am a seasoned Mortgage Broker with 20 years of experience managing thousands of family transactions in the NW, I offer more than loan comparisons. My role is to navigate complex financial waters, connecting clients with a variety of lenders to find the perfect mortgage match. This isn't just about having the most competitive rates; it's about understanding each client's unique story and financial goals. I save clients time and money by handling negotiations and paperwork, ensuring they get a tailored solution that fits their lifestyle. In essence, a Mortgage Broker is a financial guide, an advocate, and a crucial part of making property dreams a reality in a streamlined and stress-free process.

Mortgage brokers charge a fee, usually 1.75% to 3.25% of the loan, affecting the interest rate. A lower fee, around 1.75%, means a better rate for the borrower. Higher fees, like 3.25%, lead to higher rates. Brokers usually earn around 1.5% of that fee with 2.25% collected; the rest goes to their firm for overhead. Borrowers can choose to pay this fee upfront (buyer paid) for lower rates or have the lender cover it (lender paid), resulting in higher rates over time. It's a balance between immediate costs and long-term savings and each situation is different- but in this decreasing rate market it's best to take advantage of the lender paid since there's a good chance of a refinance as rates drop. It's imperative to SHOP as well.