I’ve had cases where the first person just kept giving me the runaround, and it wasn’t until I asked for a supervisor that anything moved forward. It’s frustrating to repeat yourself, no doub...
I get what you’re saying, but I’ve actually had better luck sticking with one rep, even if it takes longer. Here’s why:
- Every time I got transferred, I had to re-explain my situation. Details got lost.
- The first rep usually knew my file best, even if they couldn’t make all the decisions.
- Supervisors sometimes just repeated what the first person said anyway.
I get that sometimes you need to escalate, but for something as detailed as FHA loans (especially with disability considerations), I’d rather have one person who knows my case inside out. Just my two cents.
The first rep usually knew my file best, even if they couldn’t make all the decisions.
That’s a fair point—sometimes the first rep is like your case’s unofficial historian. I’ve had situations where I finally got to a supervisor, only for them to sound like they were reading from a script. Ever notice how some lenders seem to have a “pass the hot potato” approach? Out of curiosity, has anyone actually had a supervisor make a real exception for disability-related FHA stuff, or is it mostly just policy parroting?
Ever notice how some lenders seem to have a “pass the hot potato” approach?
Honestly, I’ve seen that a lot, but I wouldn’t say it’s always a dead end. One time, a client of mine got a supervisor who actually took the time to dig into the guidelines and found a workaround for her disability income documentation. It’s rare, but not impossible. Most of the time, though, you’re right—it feels like they’re just reading off the same script. Still, it pays to push a little and ask for specifics, even if it’s a long shot.
You’re spot on about needing to push for specifics. I refinanced with an FHA loan after my accident, and it was a slog getting anyone to look past the “standard” checklist. I had to go up the chain and practically beg someone to actually read the guidelines. Most folks just wanted to say no and move me along. Persistence does pay off, but man, it shouldn’t be *this* hard to get someone to use common sense. Lenders really need better training on these exceptions.
