Recording calls can be a lifesaver, but yeah, legality gets tricky depending on your state. I looked into it once and found out my state requires consent from both parties—so that was a no-go for me. Honestly, sticking to detailed notes has kept me sane (and out of trouble) more times than I can count. Hand cramps are annoying, but better safe than sorry...
- Agree that recording calls can be dicey—definitely not worth risking legal trouble.
- Notes are good, but honestly, emails have saved me more than anything else. If something important comes up in a call, I always follow up with a quick "just to confirm..." email.
- Had a client once who conveniently "forgot" our verbal agreement...lesson learned the hard way.
- Bottom line, get it in writing whenever possible. Saves headaches later.
"Had a client once who conveniently 'forgot' our verbal agreement...lesson learned the hard way."
Been there myself. When I was transferring my mortgage, the lender verbally assured me they'd waive certain fees. Weeks later, those fees magically reappeared in the paperwork. Thankfully, I'd sent a quick follow-up email after our call outlining what we'd discussed. Saved me hundreds and a lot of frustration. Emails might feel tedious sometimes, but they're worth their weight in gold when things go sideways.
Been there myself.
I feel this. I'm in the middle of my first mortgage transfer now and it's already a headache. Quick tips I've learned:
- Always follow up calls with emails summarizing key points.
- Request fee breakdowns upfront.
- Double-check paperwork carefully—fees have a sneaky habit of reappearing.
Fingers crossed mine goes smoothly...
I remember when I transferred mine, I thought I'd caught everything until the day before closing when a random "processing fee" popped up. Still not sure what they were processing exactly... Keep your eyes peeled.
