The Loan Guy

It all started with a “Happy 4th of July” email message. It was from the home loan consultant who had financed our house when we moved back to the Central Coast in 2006. Jim Smith had stayed in touch with low key communications – sometimes by email and sometimes by snail mail – that included just enough information about the housing market to be useful.

This time, it got me thinking. I had a home loan that would adjust in 6 more years, but rates were low right now. I sent Jim a return email, he responded and I determined that the time was not quite right for me to refinance.

But then Thanksgiving rolled around, and in the mail came a holiday card from Jim, a few more nuggets of real estate news and a 2010 calendar. I just had to contact him again – by phone. And this time, the stars seemed to align – rates, the right loan, etc. Donna and I signed all the paperwork for our new 30-year fixed loan on December 28, and the loan funded before year end.

Two loans with Smith Lending Group – on the same house – in four years. Why? Because Jim stayed in touch. He offered real value in his marketing communications. And because I trusted him. He earned that trust the first time we worked together. I felt that he was on my side – he did what he said he’d do, he didn’t take short-cuts and he let me know what was happening every step of the way. That earned him a second opportunity. And he was just as good this time around.

Jim Smith (www.TheLoanGuy.com) finished with a thank you card and gift. And I’d work with him again – the next time I buy a home.