Comments for vsgmarketing.com

Comment on Gas prices and your commute by Anna

Anna — Sun, 06 Jul 2008 01:37:13 +0000

Considering leaving my job due to the gas price, I’m spending between $60-$70 a week to fill up my car. Takes me an hour to get to work and sometimes and hour and half to get home. I haven’t brought groceries in over 2 months due to having to choose between gas and food.
Something needs to be done and quick !

Comment on No Mortgage Candidates Need Apply??? by Bonita Waller

Bonita Waller — Thu, 03 Jul 2008 13:24:52 +0000

I’m happy to know that I’m not the only one who feel this way as well. I’ve been in the mortgage/real estate and banking industry for over 13 years. No personal experience with Appleone however there are several companies in ohio that’s doing the same thing…you do not qualify and I know that I do. I had one temporary agency tell me that Chase does not want any brokers, real estate nor mortgage professionals. That’s very weird to me. You should want someone that’s knowledgeable to the industry. Everytime I go on an interview I hear several mortgage professionals has been here…wow you guys have it bad. This economy and government is very backwards. It just does not make since. I’m currently trying to go to school for IT and we see what the employers will say then.

Comment on Gas prices and your commute by MICHAEL

MICHAEL — Fri, 27 Jun 2008 15:33:31 +0000

John’s comments were right on track. By avoiding gas on a certain day, will solve nothing. You still have to get gas eventualy. The key is for everyone to target specific gas stations, for one month.If everyone were to quit buying gas from Chevron for one month, their loss of revenue would force them to lower their prices to remain competive. The next month everyone boycott Shell. This will take a tremendous amount of unity and sacrifice for all U.S. drivers. For people who have gas credit cards for a certain stations, it would mean keeping the card in your wallet and paying cash if your station was being boycotted that month. Think about it people if you severly cut one oil companys income for a solid month, or even two months, do you think they are going to contintue at the same price if they are selling no gas or very little. This would have a ripple effect across the whole industry!! We need to unite.

Comment on Gas prices and your commute by Susan

Susan — Fri, 27 Jun 2008 04:00:18 +0000

I feel spoiled living in the San Francisco bay Area for many years until now. Public transportaion from one city to another was GREAT! I lived in San Mateo and worked in San Francisco. Took Caltrain every day for commuting. It was fun, relaxing and inexpensive! I now live in Roseville and unable to accept a job in Sacramento because of the gas prices and commute. The light rail system should have been extended to a minimum of Roseville long before now for daily commuters!!

Comment on How highly experienced workers can rebound from a job loss by Lisa

Lisa — Thu, 26 Jun 2008 01:03:16 +0000

I have never had such a hard time finding a good job in this market. I have gone from a 50k plus bonus to an hourly wage. I dont understand what the problem is, I am certainly qualified with 18 years of experience in banking and finance with 13 years in management. I think the price of gas and the election being the biggest two problems with todays job market. I am a very outgoing person and have always had great success in my work, the last two years I have struggled, now I have credit problems to go along with that I wonder am I the only American with this problem.

Comment on No Mortgage Candidates Need Apply??? by Gabriella

Gabriella — Wed, 25 Jun 2008 05:10:11 +0000

It’s hard to comprehend those people who judge us mortgage professionals for what has happened. I mean it’s not like us underwriters had the power to approve the programs that were offered - banks/investors did and now they are the same ones who are not considering our resumes.

We’re black-balled because of what has happened, but please, homeowners like that “One of your customers” who wasn’t smart enough to read through their his loan docs, is now blaming us. If you’re making such a great living, then you should’ve had an attorney review your docs if you didn’t know what you were reading. I’m sure the Escrow/Title person didn’t hold a gun to your head to sign your loan docs. But like he said, Karma is a bit-h. People who have no idea what the mortgage world is really like should not comment at all.

I remember it was great helping families fulfill the American Dream - I was honest, thorough, and hard working. And anyone who works in this world knows that we are all great under pressure, we can multi-task and have great people skills - everything Companies should be looking for. Now all we need is a chance. People forget that “WE” also have/had homes, families and dreams - and we need to be given a fair chance just like other industries have had in the past.

Let me assure you that the Mortgage industry will be back - and when it does, mortgage companies should provide workshops to people who plan on buying a home. Workshops that will inform potential buyers of the types of programs and the loan process. NEVER, EVER AGAIN SHOULD ANY PROGRAM ALLOW FOR NO DOWN PAYMENTS (80/20).

AppleOne and other companies who support the “No Mortgage Candidates Need Apply” should be ashamed of yourselves - a couple of years ago you made a lot of money off of “us” and now you should be helping us! But at the same time - do the job hunting yourselves, companies like that are entry-level mcdonald recruiters.

Comment on No Mortgage Candidates Need Apply??? by Judy

Judy — Tue, 24 Jun 2008 18:50:26 +0000

I find this very sad. I have been in the lending industry for 11 years and survived 3 downturns. Yes, there are dishonest people in our industry - however there are dishonest people in every industry. After a 3 month stall my business is coming back however due to all the negative press many borrowers are worried they will be cheated and it takes a long time to build trust now. The wall street folks, big banks, realtors and appraisers who would like to continue to look good in the press are using the mortgage industry as a scape goat. I will be happy the day I start to see articles about how fraud and inappropriate lending has to have all the parties playing and more about borrowers who make applications attempting to purposely misrepresent their employment and income. There are still good, honest loan officers out there. The game the media and the other industry players have played blaming the mortgage industry alone is going to come back to them one day. Although it has been a struggle to stay in the business I think it is worth doing. It saddens me greatly to read about the damage that is being done to individuals who may have had nothing to do with any type of questionable loan. Employers who are passing up individuals with the kind of enterprizing spirit it takes to build a business in the mortgage industry are missing out on some real talent. Since they never really bothered to understand the industry - including their own home loans they are afraid the can’t tell the difference between the good ones and the bad ones. However that is matter of character and you can always see that. Fear is always the best excuse for dishonesty and prejudice.

Comment on No Mortgage Candidates Need Apply??? by Sue

Sue — Tue, 24 Jun 2008 16:07:47 +0000

what I find incredible with AppleOne is that a 25 year accounting professional is actually asked for specific experience as a CSR ? I mean cmon, I am sure that many people will argue this point but since I have 17 years in the hospitality industry and then more recently 25 years of accounting I am being told I am not good enough for a 10 dollar an hour flipping CSR job ???? I mean cmon does it really take a college dregee or rocket science to be a CSR working for 10 bucks an hour ?? I wouldnt have even considered lowring myself to that type of job other than the fact I had a mortgage to pay. Thank god I got away from all of these vultures better known as recruiters. I actually had just accepted a position, permanent and benefits galore making 75,000 a year and one of my recruiters called me a few hours later before I had a chance to email and say I was off the market and this idiot said - AFTER I told him the pay and the benefits etc - he actually said yeah OK but hey this job starts tomorrow and it pays 12.00 an hour ! Uh HELLO !!! That told me right then and there that they truly don’t care about the workers - only their commissions. All of my other recruiters were thrilled for me. And the ones that didn’t ask who the company was got an extra point also - I learned after the first time of ever working temp/contract jobs and getting a full time job and I naively told a recruiter the name of the company that hired me a year ago and then I was pissed when my new supervisor was inundated by phone calls from this gal. That was the last time I ever will give out info on who I am working for or how much either to a recruiter.

In all my years I only had to start using a recruiter a year and a half ago and that was a year and a half too long let me tell ya. Hopefully I will never have to use them again but hey - they never found me a decent position anyway - all the ones they wanted me to go on paid half or less of what I was used to earning and involved over an hour commute each way - thank got I now have a great job full time that I got ON MY OWN

Comment on No Mortgage Candidates Need Apply??? by Phil

Phil — Tue, 24 Jun 2008 15:47:27 +0000

And it doesn’t even have to be sales or marketing related! I have been a computer professional for 40 years with a degree in computer science. I hold a professional designation as a “Certified Mortgage Technologist”. For almost 7 years I worked for one of the largest entities in Mortgage Banking “Secindary Marketing” and “Master Servicing”. Then I was laid off. Immediatly after the layoff I was able to get sporadic “consulting” jobs, but I have not had any work now in 18 months.

There are many problems right now facing former mortgage workers, but it’s even far worse when you add in the growing issue of age discrimination.

Comment on No Mortgage Candidates Need Apply??? by CG

CG — Tue, 24 Jun 2008 15:44:00 +0000

They have to stigmatize the little Mortgage Person in this huge BILLION dollar scam managed by Wall Street? They have made their fortunes, dishonestly, and no one is worried about employing these theives?? The banks knew exactly what they were doing when they put out the programs that offered no money down, only they were way too greedy to stop when they saw the writing on the wall. They charged rates that were 2-3 points higher than the prevailing, took a risk and lost. Now they want the Government to bail them out? How arrogant to even suggest such a solution. They need to take the heat just like the homeowners who have been mauled by energy prices, rising food costs and gasoline prices being driven up by the same greedy investors that were invested in the Real Estate Hedge Fund Market. America is filled with a bunch of fools who have forgotten how to think and form logical opinions based on facts, not some BS thrown out there by the media. Who wants to loose their home to foreclosure? Not even those who got them for little or nothing down.
If anyone can say that if they were offered an opportunity to have a home for nothing, and they could meet the strict underwriting standards by these banks, and thet they would not try to get a piece of the American Dream, then they are full of crap.
I am so tired of Americans judging other Americans based on hear-say rather than logic and research. All of us who worked in the mortgage business should tell the sotries of the decadent parties held by the Banks when they were making globs and globs of money on the working class guy.
With the present situatins in this Country the way that they are, all of these judgemental people may just find themselves among those who are on the foreclosure pages already.

It is time to be proactive on isues, not reactive,as we can see where that has taken us.

America, hurry and wake the F***** up!!!!