Never ghost your client. Even if you don’t know the answer or made a mistake, don’t just disappear. By vanishing you’re immediately saying, “I don’t care” or “Your business isn’t important” or “My time is more valuable than yours.” One misstep and your clients can take their business elsewhere, even if you’re in the middle of a deal. No one wants this.
Never push people. Insisting on a higher loan amount, even though someone can afford it, is not responsible or caring for your client. Yes, they can afford it. Yes, they might (you think) be happier in said property. But is it the right thing to do? No. Great loan officers look at the total financial picture and keep their own personal gains in check.
Never use jargon. You know what terms like ARM, BPs, and DTI mean, but chances are, your clients don’t. Worse, if you continue to talk in mortgage code, clients will likely be confused. They might also feel you’re talking down to them, and in turn, cool to you and your deal.
Never rush the process. Granted, there will be times when you need to expedite a deal, but blowing through signatures, paperwork, and explanations is never okay. With all the technicalities and fine print, you want to be very sure that your client understands every aspect of the loan they’re taking on. Also, when you rush, you don’t allow for naturally occurring questions to arise. This shortchanges your client - and you. You’ll never know what you did wrong, or might have missed to fix it the next time around.