Skip to main content

Why Are Some Companies So Averse To Email Exchanges?

I just had a failed relationship with a potential residential mortgage
broker. I just don't understand why the Senior Mortgage Analyst I was
dealing with refuses to correspond via email and insists on phone
conversations. I like email exchanges because it let's me document all
the different options I'm entertaining with my upcoming mortgage
renewal. It let's me put everything down into a spreadsheet for
analysis, and is a great record-keeping method. I didn't have issues
with my previous broker, who didn't mind answering my questions
regarding specific calculations and amortization periods, all via

I complained about this asking to get the Analyst's supervisor
involved to get my questions in the emails answered, and guess what
happens. That's right - the supervisor 'calls' me. She said that they
have been in business for 20 years and that their preference is to
conduct their transactions over the phone instead of email. What about
customer preference? This was a red flag for me. If they can't obey a
simple customer request to correspond via emails, I don't see why they
would listen to anything I have to say when negotiating a new

This can't be the standard. Is there any reason why some mortgage
brokers won't commit tentative interest rates and imaginary
calculations to paper (or email) so to speak. Are they afraid I would
hold them to those rates if it was in an email? Come on. Have you had
a similar experience with a mortgage broker and if so, is this the

I politely thanked the Mortgage Analyst's supervisor for her time and
said goodbye.


Popular posts from this blog

Our 45-day Summer Vacation

My kids and wife flew out to Niagara Falls immediately when the school bell sounded. That's how excited we were to start out on our summer vacation. I could only take 2 weeks off from work so I stayed behind and planned to fly out end of July. I was a bachelor until then.

Niagara Falls from Jun 29-Jul 14 The adventure starts in Niagara Falls where my in-laws live. My  kids and wife bonded with cousins and extended family for about two weeks. Starting July 6 they went camping at Fifty Point Conservatory Area in Hamilton and boating in Lake Ontario.

My kids rode at top speed on the boat and also got pulled behind the boat on a three-person inflatable dingy.

Their adventure continued south to Washington DC after that, driving for 7 hours. 

Washington DC from July 15 They went to Washington DC for a day and stayed at Hilton Garden Inn. They went to see the Whitehouse, the US capitol, the Lincoln Memorial, Washington monument, and many other landmarks.

From there, they drove 7 hours south to …

How I Fixed My In-Sink Garburator

Our kitchen garburator had been out of order for the past few weeks and I thought I would give it some tender loving care this Christmas Holidays because we'll need it. It's a Mainline Model 1900 and has been very dependable for the past 6 years. This happened a few times before and all I did was run a wooden barbeque stick through the serrated edges of the garburator blade to dislodge whatever gunk was in there and that did the trick. It didn't this time and I was ready to spend some money. 
I was tempted to call our plumber and have them fix this for me (here take my money) but I thought to myself, how hard can this be. I was also tempted to take the whole thing apart to clean whatever was causing the blade to not spin but I'm sure I would have lost a few fingers or two if I did that. What did work was using something everyone already has lying around the kitchen - a butter knife.
Take the butter knife and find the gap in the blade to insert the tip of the knife int…

Top Nutrition Advice from a Registered Dietitian

My wife, kids, and I recently attended a 2-hour food seminar with a registered dietician at our local Fresh St Market and learned a thing or two about healthy eating. Someone once said this about healthy eating and nutrition - that they are "already aware, and just need to implement it". I assume the "it" is the healthy eating part which to me means that until it is implemented, then they are eating less healthy in the meantime. I think this is where the extra learning comes in that comes with attending these quick seminars. If anything, learning that this is a way of life and not a form of diet is worth the cost of going to this very free seminar/tour.

DISCLAIMER: These are my own notes and may not be accurate and not necessarily reflect what the dietitian said. It's all reliant on my note-taking skills that day.

Eating out at restaurants = no.
Prepared foods = yes.
Eating well is not not expensive.
Plan on buying 5 dinners when you go grocery shopping and use…