Mortgage Lenders For Bad Credit: Should You Call Them 'dude'?

You are in an interview with a loan examiner who works for a mortgage lender for bad credit. He sits across the table - a dignified-looking man in an expensive lead-grey suit and silk power tie. His hairdo looks like a wig, with not a single strand out of place. He looks you up and down, and then asks why you are applying for a loan. You explain that you are not wealthy like him, so you have no choice. During the interview, you repeatedly refer to the examiner as "man," "dude," and "dog," creating an uncomfortable look on his face. Towards the end of the interview, you announce that you must "bounce," so you can drive home and feed Eggbert, your pet chicken. You then abruptly stand up, turn around, and head for the door.

Know Who You Are Talking To
We do not talk to our brothers and sisters the same way we talk to our bosses. "Code-switching" is the fancy term for how we talk to different people, using different lingo. Regardless of whether we are talking in person, over the phone, or through e-mail, we must always remember who we are talking to. While it is wise to use the terms "sir" and "ma'am" in interviews with mortgage lenders for bad credit, it would be nerdy, if not downright weird, to address our buddies or girlfriends the same way. The wish of every person on Earth is to feel important. When you refer to the president of a country as "dude," or to your girlfriend as "ma'am," the implied message is: "You are NOT important."

Be Nice
Stating or implying that someone else is unimportant is only a compliment in Wonderland, where up is down. According to Dale Carnegie's book "How to Win Friends and Influence People," one of the cornerstones of dealing with people is "Don't criticize, condemn or complain." To protect what Sigmund Freud referred to as our ego, it is our nature to feel that we are right-even when we are wrong! So when dealing with mortgage lenders for bad credit, only speak positively of the company and your situation. This will give the impression that you value and respect their institution.

Two Little Words with a Big Meaning
Carnegie recommends that when dealing with people, we should also show truthful and heartfelt appreciation. In other words, we should show our thanks, but only if we mean it. This will make the party being thanked feel appreciated and important. When dealing with mortgage lenders for bad credit, we have several opportunities to do this. Make sure to thank mortgage lenders for bad credit for sending you information or giving you an interview in-person. And if you are approved for the loan, you could even send them a token of your appreciation.

How to Build a Want
Lastly, Carnegie writes that it is important to create a "want" in people. It is human nature to first be concerned about our own interests. So, when dealing with mortgage lenders for bad credit, never give sob stories about why you have no downpayment for a mortgage. Rather, show how you could, and will, pay back the money that you hope mortgage lenders for bad credit will lend you. That will make them feel important.

Mastering how to talk to people effectively will make dealing with them easier. Mortgage lenders for bad credit are no different from your friends or co-workers. It's not only what you are telling them that matters; it's how you say it.