Traci Gregory

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There is a platform for loan modification processing in DO IT YOURSELF mode that prequalifies borrowers before payment is accepted. And the fee is $395 as opposed to any thousands. http://mortgage-loan-modification.georgiamortgagemoney.com/

Your remarks: "Common sense can't be regulated, of course, and ethics, being subjective, can't truly be prescribed in check-list form. Laziness is not a crime, and excellence will always be measured on a sliding scale of consumer expectations." are relative to every industry on earth, not just real estate sales, and it is a problem I've seen in more than one industry. In another lifetime (more than 20 years ago) I worked for an aircraft manufacturing company. We were given mandatory ethics training, made to sign forms that we'd attended and would live up to the values in the training, or be dismissed for not doing so. I had no problems with the ethics standard they espoused, but a huge problem with the director who had implemented it . . . he'd been caught in flagrante delicto on a conference room table with someone else's wife . . . an ethics problem not covered by the training, but an ethics problem nevertheless. Not the sort of leadership that encourages the highest aspirations. Being in the mortgage industry I've heard for the last two years that the entire meltdown is the fault of 'lying mortgage brokers' although that fault is now at the feet of Wall Street barons who walked away with a lot more money than any of the mortgage people I know! I feel that as a nation we've come to expect too much and offer too little in return. My present clients are waiting for Obama to finally wave his magic wand, give them the 4.5% interest rate, or the money to stop their foreclosures, with little real insight into the machinations required to make either of those things a reality. Perhaps as we work through these next few years the inept, the lazy and hopefully the unethical will move to another industry and those who are as responsible as you will still be standing and have changed not only the perception, but the reality of the professional agent and professional broker. Best, Traci Gregory

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