Richard's Real Estate Thoughts - Chattanooga TN Mortgage Lender: Mortgage loan officer communication

Mortgage loan officer communication

Good communication is essential to closing your home mortgage on time. It is so important that communication should be one of the main qualities buyers should evaluate in selecting a mortgage loan officer to help with their home purchase.

Some communication expectations:

Returned phone calls – this is a major complaint against the mortgage industry in general. You should have confidence that when you leave a message the loan officer will return the call quickly. Generally, I think 1 hour is a reasonable goal for returned calls. It is also helpful if the voice mail message communicates when to expect a return call.

Listening and buyer questions – How well the loan officer listens to your questions and concerns is important. A good sign that the loan officer is listening is whether your questions are acknowledged and answered.

Expected follow up – Good communication involves setting expectations for what is next. Your loan officer should confirm a time for the next call or meeting, and what to expect on that call.

Confirmation - It helps good communication for your loan officer to follow up each call with an email, or a text confirmation, summarizing what was discussed and confirming the time for the next call.

Follow through – It is also vitally important that your loan officer follow through by calling on the date agreed upon for the next step.

How well a loan officer communicates during the pre-qualification stage is a good indication of how the loan officer will communicate during the loan process and even after your mortgage closes. Communication and timely follow up are important to a successful home purchase closing. And communication is a quality of your prospective loan officers that you can evaluate and test early.

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Richard Smith
NMLS# 184479 TN# 104002 GA# 28928 

Conventional, FHA, FHA 203k, HUD $100 down purchases, VA,

Rural Development ( USDA), and Jumbo Loans

Lending in Chattanooga, Tennessee and Georgia for over 20 years.

Sierra Pacific Mortgage

Cell phone: 423-280-0345 Email:

Visit my website to inquiry about a home loan.

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This blog represents the opinions of Richard Smith. The posts and comments written on the blog do not represent the opinions or positions of Sierra Pacific Mortgage. 

Comment balloon 1 commentRichard Smith • October 31 2016 09:06AM


If there's a serious problem with the file I want the LO to tell me asap. I don't want to have to chase the LO to find out why the file isn't hitting its milestones. Buyers and sellers need to know what's going on with their transaction so they can plan accordingly. 


Posted by Dave Halpern, Louisville Short Sale Expert (Keller Williams Realty Louisville East (502) 664-7827) 3 months ago