Jim and I are considering buying a new house (details when we know something for sure). The problem with buying a new house (or anything that's at all expensive) is dealing with "sales representatives."
Now, most of the real estate agents/builder's reps I've spoken to over the last couple of months have been pretty nice. Until recently, I've always stressed that we're "just looking." We didn't get really serious until recently. So far, I have no real complaints.
However, I can say without a doubt that when we do go to get a mortgage it will not be from one particular mortgage company. I'd rather not mention names, in case it turns out this guy is something of a loose cannon. But we put our potential mortgage information in through LendingTree.com. While the builder we're likely to buy a house from has a mortgage plan, we feel it's in our best interest to comparison shop (and, so far, the builder's plan is coming in cheapest anyway).
So we got a bunch of offers from Lending Tree. We even had one guy call, so I called him back as the rate he quoted was comparable to our builder. We talked for about five minutes. I stressed we were only looking for a 15 or 20 year mortgage, and we wanted the loweest rate we could qualify for.
And then he said something like, "There's really no problem with paying more interest..."
And then I said, "If that's the way you feel, then we really can't work together," and I hung up.
Now, granted, that's kind of abrupt and rude on my part, and I don't apologize for that at all. I said what I wanted - I wanted to pay as little interest as I could. I was very specific. We have a good credit rating and we'll be making a good-sized downpayment. We don't need to play the "Gee, what if I don't qualify?" game. I know we will qualify.
So the guy called back, and I said, specfically, "Do Not Call Back." And then I hung up.
The bottom line is, you cannot sell me. If you try to sell me, you will lose me as a potential customer.
And this is the bad thing about buying a piece of property. I know the selling thing will only be worse in the future. At least once we do commit ourselves to a piece of property, I can say, "We have no money to buy anything."