 Hey Michelle Getzinger here from Berkshire Hathaway and I'm with Jason Cheko from Lending Heights and we are going to tell you about a unique situation that happened to us not too long ago. So I had a client who had some job issues who was retiring early and wanted to buy house, the house of his dreams and no other lender would touch him with a 10 foot pole. So I gave Jason a call and we had a very unique situation that he was able to get from start to finish and it was a nail biter the whole way through. Oh it was, it's definitely a fun one as we put it in the office all the time. Here's the thing a lot of people think that a common sense situation is going to work for mortgages but it doesn't. In this situation the guy you know is an easy transition but because of certain history requirements with mortgages wasn't able to get done. Fortunately we had enough expertise in the office and had a couple different avenues to do something we were able to actually use his unique situation to his advantage when everyone else said no you could say yes and then get it through. And that's why working with a mortgage broker is sometimes the better way to go because they're able to customize the whole package for you whereas a lender like a specific house has to use the product that they have and if it doesn't fit the bill then you move on. For sure one thing people don't realize either is that a mortgage broker all we do is mortgages. You know when you go to a bank you know they're great at what they do for loans but they also do your car loans they do your checking account they do your credit cards all we know is mortgages and the mortgage industry it's not like any other loan anyone ever had. When you go ahead and get a credit card you click a button boom you get a card in the mail you know how many offers for personal loans come in the mail without even doing anything it's easy to get other financing. Mortgages are verified loans that verifications sometimes have to be verified so you have to have someone that can navigate that landscape and as a mortgage broker all we do is navigate that landscape in and out. And the the regulations in this industry are constantly changing on a day-to-day basis almost. So you have to have somebody who is going to be able to navigate that for you properly. Yeah we're just mortgage pros that's what we do mortgages for breakfast lunch and dinner. And that's the only way we can get a real estate transaction through 90% of the time. Hey so we have a another funny story that we were just talking about I had a deal that went through and Jason was just telling me that he actually shielded me from some pretty big drama which I'm thankful for because there's enough of it to go around. Tell us a little bit about what happened. Yeah so what happened was through the process we had an appraisal done on the property we were doing a transaction with and the appraisal came back not good enough for the transaction it was just the comps rolled over the place it was just a very bad report unfortunately. Nine times I had a 10 when that happens a lenders don't let you get another appraisal they say we have to use this we have to deny the loan and we're done. But because we're a broker it said to me going and telling you hey Michelle we're done this thing's toast I said all right guys let's change directions to send this to another bank we ordered another appraisal we paid for it in houses to get it done to make sure no one knew what was going on next thing you know we're at the closing table no one even realized that crisis averted. So these are some of the little things that we do as a mortgage broker and have access to we're not just pigeonholed into one type of loan one type of bank we have the ability to play the markets to play the banks to make it best for the client. And I appreciate that because it makes my life a lot easier. I appreciate you trusting us on what we do. You hate Facebook thanks for watching again please like and share down below and if you have any questions please don't hesitate to reach out to either myself or Jason and we'd love to help you out in this process.