Mortgages: More Than Just a Commodity

I just got off the phone with some clients who went under contract — and I’m so excited for them. But what happened during this process reminded me of an important lesson worth sharing.

We had talked at length about strategies: how their home purchase and mortgage fit into their long-term wealth-building plan, and how it aligned with the guidance of their financial advisor.

Then, without even checking back in with me, they went online, searched for rates, and said: “We’re going to go with this other lender because the rate looks cheaper than the one you quoted us three weeks ago.”

And honestly? I was a little confused.

When I looked, they were being offered an incredible rate — so good that I told them, “If that’s truly what you’re getting, lock it in.”

But here’s the catch: when they went to lock, that “amazing” rate wasn’t real. They were told rates had moved. Disappointed, they called me back.

That afternoon, we went back to work together. Why?

Because I don’t just quote rates. I provide real, transparent numbers tailored to my clients’ situation. I also collaborate with financial advisors to create strategies — not just transactions. For these clients, that meant finding the right mortgage structure to fit both short- and long-term goals so their portfolio stays on track and their retirement timeline remains intact.

The Takeaway

If you’re shopping only for a commodity, I may not be your person. But if you’re looking for a strategy — one that uses your mortgage as a tool to build wealth, align with your other assets, and bring peace of mind for the future — then let’s talk.

Because mortgages aren’t just products. They’re financial strategies.

~Kellie