Sunday night my husband and I invited a few neighbors over for some cake and wine. After the obligatory chatter about how good the cake was (thanks bakery down the street!), the topic of conversation turned to mortgages. I’m not even kidding. See, my new house is situated in a new community that is still under construction, so barring that nobody flat out paid cash for their house (and if they did, I need to invite them over for cake more), all of my neighbors have recently secured a mortgage. I promise I didn’t bring the conversation up, and I didn’t even prompt them, but do you know what they were saying? I’ll tell you – they were complaining about the Big Box Bank and the crappy service they received. If my blog were a portable device that you could actually clasp in your hand, I would have thrown it in their faces and been all “Woo HA HA HA! Should have been reading my mortgage blog, suckas!”
So that you do not have to become one of my poor neighbors that didn’t close their loans on time and were led astray by the Big Box Bank, I have prepared some help for you. To help save you all the headache of one day deciding on where to secure a mortgage, I present to you a Glamour Magazine style quiz!
[Please note that even though I am writing a Glamour Magazine quiz, I am very angry with Glamour Magazine right now for putting 12-year-old old boys on the cover of August. Seriously, dudes didn’t even have chest hair and I felt dirty reading it.]
What mortgage bank should you use if you need a home loan? A Simple Quiz
1. You’re walking down the street when a pigeon poops on your left ear. You:
a. Chase after that bird and shoot him with your handmade bow and arrow and feed him to your family for dinner.
b. Look around to see if anyone noticed and then run into the nearest store to use their restroom to clean yourself up and possibly text your BFF to share the experience.
c. Shout out loud in the street that you are so happy to have been crapped on.
2. When ready to check out at the grocery store, you:
a. This question is difficult for you to answer because you grow all of your food in your back forty and don’t even know where the closest grocery store is.
b. Find the shortest line or proceed to self checkout.
c. Stand behind a lady with a three-ringed binder full of coupons who will be paying by check that she won’t start filling out until the cashier has given her the total. Actually, the lady hasn’t even pulled the checkbook out of her purse. Instead, she will raise her eyebrows in shock and ask to speak to the manager when her total does not come to zero. This does not bother you. You wait for four hours in line.
3. You are planning a romantic weekend away with that special someone. You:
a. Begin by replacing the horses’ shoes and securing a new hide to the top of your wagon in preparation for the long journey ahead. You will not pack “snacks for the road” as you will kill your own vittles throughout the journey.
b. Check out the hotel online and read the reviews.
c. Decide that you can “find a motel once we’re on the road” and leave your map at home. After seven hours of searching for a spot with vacancies, you convince your lover that sleeping in a truck stop parking lot on the side of Interstate 10 is “romantic.” (Your lover leaves you the next day. You are okay with this.)
Mostly As – Transistor Radio Man
You like to keep things old school. The janky mortgage broker you find through clicking a blinking “Zero Percent Interest Rates with No Credit Score!” on the side of your Myspace page is the one for you. It won’t bother you that your mortgage broker works from his mom’s basement and makes you fill out your application in a number 2 pencil. You call that “simply charming!”
Mostly Bs – The Normal Human Being
You are a normal person, ready to tackle the world. You like things done well, in a timely manner by intelligent people. You are a perfect candidate for getting a home loan with the Memorial/Heights Branch of Envoy Mortgage.
Mostly Cs – The Masochist
Pain is the name of your game. The harder life is for you, the better. And if most of it is spent waiting, that’s fine, too. You’ll love the Big Box Banks and relish in the fact that they don’t give a toot about you and never close loans on time.
Alright folks, tune in later this week for some office gossip. Will Recycling Nikki garbage dive again? Will Former Online Dater Jason find true love and shout “Boom!”? Will John find the bathroom floor-peeing culprit? Will Straight-Shooter Shane stop drinking Dr. Pepper? Will Hayley thwart another robbery? Has Will learned his lesson about asking non-pregnant women if they’re pregnant? Will you get to hear about my co-worker Sandra once performing surgery on a man’s nipple? (True story.) Find out later this week. Happy Tuesday, readers.