Wish You Were Here …

Hi, there … how was your vacation last week?

Did you enjoy some cocktails at the beach while the sunset? How many times did your kids make you go on It’s A Small World? Is the Clyde & Seymour show at Sea World as funny as I remember it?

It’s glad that you were able to take a break. You deserve it. Underwriting’s a stressful job.

Not much was happening back here while you were gone … and that’s mostly because you were gone. Wait, you hadn’t heard?

My buyer – our client – spent last week waiting for his loan to receive final underwriting approval. But you and another of your peers were on vacation, so apparently the file sat in your inbox the entire time you were away, untouched.

No, no, no … I’m not blaming you. Not at all. It just seems like the head of your department or someone else at your company should have put procedures to place that would allow files to be approved in your absence. This is a service industry, after all.

I mean, imagine if when you went to Magic Mountain you found out that the Revolution was closed because the 19-year-old kid hired to operate it over the summer took a few days off to spend at the beach. That would suck pretty badly, wouldn’t it?

Luckily, the management at Magic Mountain understands that the world doesn’t end when someone goes on vacation and appropriate adjustments are made.

So now you’re back and, I’m certain, happy to see these files that have been arriving on your virtual desk in your absence.

The loan officer handling this file has said he’s going to be checking with the supervisor – the same supervisor who didn’t get the files covered in the first place – to see what’s happening with this one file, like it’s that much different to you than all the others that ended up in your inbox.

Between you and me, I don’t think he understands that the issue isn’t the delay this week when the backlog is being processed but that the issue is the fact a file that should have been approved in 48 hours spent that much time untouched because you were on vacation and no one was covering your desk.

But you know what they say about stuff rolling down hill. Sadly it’s hitting you now, just as it’s hitting me when the listing agent asks me what’s happening and I don’t have any updates to give because the loan officer doesn’t communicate all that much with me either.

Which makes me wonder … do you remember last week when the holdup was caused by the title company not sending a revised pre-audit to the loan processor despite it having been requested several times? Of course you don’t. You weren’t here. Sorry, I forgot.

I’m wondering … if the loan officer doesn’t communicate with me, if I have to send a couple of e-mails and/or make a call before I can get a response, if the loan officer doesn’t answer any requests from the listing agent for updates, if the buyer doesn’t know when we are closing because the loan officer didn’t tell him there was a delay …

Maybe, just maybe, the issue was on the loan officer’s end and not title. Hmmmm …

Don’t worry about it, though. Not when you’re still sporting that healthy tan from the beach. It’s only a house. It’s not like there’s a buyer up to his ears in moving boxes waiting for final word that his loan was approved and he’ll be moving to where he needs to be.

Glad you’re back.

Jonathan Dalton

Jonathan Dalton is a 40-plus-year resident of the Valley and has been helping folks buy and sell homes since 2004. He can be reached at 602-502-9693 or info at allphoenixrealestate.com.