Sunday, May 17, 2009
Expecting The Worst In People
Tonight I received an email from a borrower who's mortgage loan I just closed. He received a really great loan rate and saved over $575 on his monthly payment. When I first started working with him, I sent over his loan application for him to sign... He immediately sent me back an email accusing me of lying to him and that the payment I quoted him was not the payment on his loan application.. Well, he neglected to realize that the mortgage payment was exactly what I quoted him and he was adding his taxes and insurance that he already pays into the payment... He jumped to the conclusion that I was cheating him... After I explained in detail - he realized his mistake and all was well.
Well in tonight's email he is once again accusing me of fraud and not following through on my promises... The guy once again jumped to the wrong conclusion and I will be happy to clear this up for him tomorrow.. What is really bothering me is that he automatically assumes that I am cheating him... Here is a quote from the email I received tonight - "If the problems can't be resolved reasonably soon, I intend to report everyone involved to the appropriate Federal and State authorities. As a lawyer and former official with HUD in Washington, I have no intention of allowing what seems to be a clear case of fiscal/accounting chicanery go unnoticed" In this borrower's case he just doesn't understand that a mortgage accrues interest in arrears and when he makes his May payment he is actually paying for the month of April.... no biggie - I can clear it up for him.. I just hate the fact that he assumes the worst.. in me and my staff.. To further impress or intimidate me, he has stated that he was an official with HUD.. If that were true, he would understand the loan process....I am telling myself that I have to let it go.. don't point fingers... show grace....show kindness....show the other cheek..
When I think about what happened tonight, I realize that as humans we often jump to the wrong conclusions about people. We often assume that the person that we are dealing with is not being truthful or is trying to "get something" from us. We know that we are being truthful and honest but we don't believe others are...so why do we expect people to trust us when we are not trusting?
Tonight, I am praying for patience and forgiveness for this borrower.. Praying that God will give me the right words to say that will glorify Him. I know it is hard to show grace when you are being accused of something you have not done.. and as Followers of Christ we need to just do that.....show grace... forgiveness.. and respect... and Not assume the worst in people..