My Promise To All My Clients

So you know how I do business, I hereby promise all my clients:



I will always put your interests before my own, even if it means advising you that, were I in your situation, I would not buy, sell, or refinance. If I don't think I can make your situation better, I will tell you straight out.



I will never work both sides of the same transaction. I'm working for your best interest, and no one else's. Whether I am representing the buyer or the seller, I represent them only, and will refer the other side of the transaction to another agent. I do not engage in dual agency.



I will never quote you anything but the full costs and correct rate for a loan I have reason to believe I can really deliver. I will guarantee in writing the cost and terms of my quotes, contingent upon underwriting approval. No low balls, no pretending costs don't exist or aren't my responsibility to tell you about. If you would rather, you may choose the terms of the Upfront Mortgage Broker's guarantee instead of my own. Only an underwriter can approve a loan, but that's no excuse for pretending I can deliver something I know I can't.



I will always tell you the complete truth as I understand it. I may be wrong, but I will not lie or obscure the truth.



If I see something that may be a problem with a property as a buyer's agent, I will bring it to your attention immediately, not bury the matter in the fine print of disclosures. I can always find you another property. Once breached, nobody can recover trust or credibility.



If I think I see a better way to do something, or a way to put you into in a better situation, I will advise you of it, but the final decision must be the yours, and I promise to respect that.



I never lose sight of the fact that once you're in the property, you are going to have to actually make those payments, and I want to make certain that you can. I will remain within your budget for buying a property. I will not show you properties which cannot realistically be obtained within your stated budget on a stable and sustainable loan for which I believe you will qualify.



I will work under non-exclusive agency agreements to the extent possible. I will not ask for an exclusive buyer's agent agreement unless I am giving you something that costs significant money otherwise. Exclusive buyer's agent agreements do not benefit the client, they benefit the agent by locking up your business for a given amount of time no matter what the agent does or doesn't do. Non-exclusive agent agreements are better for clients. They motivate the agent to work, because if someone else fulfills that buyer's needs that someone else gets paid and the agent gets nothing.

Dan Melson, Realtor and Loan Officer

danmelson@danmelson.com (no vendors)
619-300-7425 (no vendors)