Comments on: HUD’s New Reverse Mortgage Counseling Protocol Includes Test For Borrowers http://reversemortgagedaily.com/2009/04/07/huds-new-reverse-mortgage-counseling-protocol-includes-test-for-borrowers/ Reverse Mortgage News and Information Mon, 13 Feb 2012 00:19:00 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Anonymous http://reversemortgagedaily.com/2009/04/07/huds-new-reverse-mortgage-counseling-protocol-includes-test-for-borrowers/comment-page-2/#comment-38092 Anonymous Sat, 12 Sep 2009 00:25:00 +0000 http://reversemortgagedaily.com/2009/04/07/huds-new-reverse-mortgage-counseling-protocol-includes-test-for-borrowers/#comment-38092 Question_Mark,rnrnI appreciate your reply and I would not expect everyone to see eye to eye with me all the time, I respect you for saying that.rnIt is imposable to roll the Clock back but their is nothing wrong in using some of the good that was used in the past coupled with the changes time creates.rnThree or four years ago our industry was not looked at or considered predatory or the next sub-prime industry because we were not. In fact we are not now but certain factions and legislators are making us out to be.rnthe proposed bills and some of the new legislation passed has has not only made us less effective than we were but it has also turned us into looking like a greed monger industry like the forward industry has become. Believe you me, we are not that type industry!rnrnYou make a lot of sense in what you say, I enjoyed reading your views on my opinions, many made sense. Please do not think what you might say would be disagreeable to me, on the contrary, I appreciate you for saying what you feel and rncombating my views if you see them differently.rnrnWe are in very troubled times, our industry and most definitely our country. We have no choice other than whether the storm but we can do all we can to fight it when it is wrong for our clients, the seniors. Thank you Question_mark, you have a good weekend.rnrnMy best,rnrnJohn A. Smaldone Question_Mark,rnrnI appreciate your reply and I would not expect everyone to see eye to eye with me all the time, I respect you for saying that.rnIt is imposable to roll the Clock back but their is nothing wrong in using some of the good that was used in the past coupled with the changes time creates.rnThree or four years ago our industry was not looked at or considered predatory or the next sub-prime industry because we were not. In fact we are not now but certain factions and legislators are making us out to be.rnthe proposed bills and some of the new legislation passed has has not only made us less effective than we were but it has also turned us into looking like a greed monger industry like the forward industry has become. Believe you me, we are not that type industry!rnrnYou make a lot of sense in what you say, I enjoyed reading your views on my opinions, many made sense. Please do not think what you might say would be disagreeable to me, on the contrary, I appreciate you for saying what you feel and rncombating my views if you see them differently.rnrnWe are in very troubled times, our industry and most definitely our country. We have no choice other than whether the storm but we can do all we can to fight it when it is wrong for our clients, the seniors. Thank you Question_mark, you have a good weekend.rnrnMy best,rnrnJohn A. Smaldone

]]> By: Anonymous http://reversemortgagedaily.com/2009/04/07/huds-new-reverse-mortgage-counseling-protocol-includes-test-for-borrowers/comment-page-2/#comment-38093 Anonymous Fri, 11 Sep 2009 23:49:00 +0000 http://reversemortgagedaily.com/2009/04/07/huds-new-reverse-mortgage-counseling-protocol-includes-test-for-borrowers/#comment-38093 I understood clearly what you were saying and you are so right. lets turn the clocks back to where a reverse mortgage was black and white.. I understood clearly what you were saying and you are so right. lets turn the clocks back to where a reverse mortgage was black and white..

]]> By: Anonymous http://reversemortgagedaily.com/2009/04/07/huds-new-reverse-mortgage-counseling-protocol-includes-test-for-borrowers/comment-page-2/#comment-38094 Anonymous Fri, 11 Sep 2009 22:50:00 +0000 http://reversemortgagedaily.com/2009/04/07/huds-new-reverse-mortgage-counseling-protocol-includes-test-for-borrowers/#comment-38094 I agree I agree

]]> By: Anonymous http://reversemortgagedaily.com/2009/04/07/huds-new-reverse-mortgage-counseling-protocol-includes-test-for-borrowers/comment-page-2/#comment-38095 Anonymous Fri, 11 Sep 2009 22:46:00 +0000 http://reversemortgagedaily.com/2009/04/07/huds-new-reverse-mortgage-counseling-protocol-includes-test-for-borrowers/#comment-38095 Seems to me they are saying our Senior are uneducated and unable to know whats best for them. I don't see the same happening to forward borrowers. We are talking about people that have paid off there homes & obligations, responsible people. They thought they would live out there lives on penions,investments,SS and as we all have found out thats not happening today and age has nothing to do with it. These people are proud and the last thing we need to do is make them feel they have to beg for help.. I think it might be time for this honest, caring Reverse Mortgage Originator to change careers this saddens me... I'm glad my mother got her reverse mortgage years ago.. Seems to me they are saying our Senior are uneducated and unable to know whats best for them. I don’t see the same happening to forward borrowers. We are talking about people that have paid off there homes & obligations, responsible people. They thought they would live out there lives on penions,investments,SS and as we all have found out thats not happening today and age has nothing to do with it. These people are proud and the last thing we need to do is make them feel they have to beg for help.. I think it might be time for this honest, caring Reverse Mortgage Originator to change careers this saddens me… I’m glad my mother got her reverse mortgage years ago..

]]> By: jsmaldone http://reversemortgagedaily.com/2009/04/07/huds-new-reverse-mortgage-counseling-protocol-includes-test-for-borrowers/comment-page-2/#comment-33899 jsmaldone Fri, 11 Sep 2009 22:25:40 +0000 http://reversemortgagedaily.com/2009/04/07/huds-new-reverse-mortgage-counseling-protocol-includes-test-for-borrowers/#comment-33899 Question_Mark,<br><br>I appreciate your reply and I would not expect everyone to see eye to eye with me all the time, I respect you for saying that.<br>It is imposable to roll the Clock back but their is nothing wrong in using some of the good that was used in the past coupled with the changes time creates.<br>Three or four years ago our industry was not looked at or considered predatory or the next sub-prime industry because we were not. In fact we are not now but certain factions and legislators are making us out to be.<br>the proposed bills and some of the new legislation passed has has not only made us less effective than we were but it has also turned us into looking like a greed monger industry like the forward industry has become. Believe you me, we are not that type industry!<br><br>You make a lot of sense in what you say, I enjoyed reading your views on my opinions, many made sense. Please do not think what you might say would be disagreeable to me, on the contrary, I appreciate you for saying what you feel and <br>combating my views if you see them differently.<br><br>We are in very troubled times, our industry and most definitely our country. We have no choice other than whether the storm but we can do all we can to fight it when it is wrong for our clients, the seniors. Thank you Question_mark, you have a good weekend.<br><br>My best,<br><br>John A. Smaldone Question_Mark,

I appreciate your reply and I would not expect everyone to see eye to eye with me all the time, I respect you for saying that.
It is imposable to roll the Clock back but their is nothing wrong in using some of the good that was used in the past coupled with the changes time creates.
Three or four years ago our industry was not looked at or considered predatory or the next sub-prime industry because we were not. In fact we are not now but certain factions and legislators are making us out to be.
the proposed bills and some of the new legislation passed has has not only made us less effective than we were but it has also turned us into looking like a greed monger industry like the forward industry has become. Believe you me, we are not that type industry!

You make a lot of sense in what you say, I enjoyed reading your views on my opinions, many made sense. Please do not think what you might say would be disagreeable to me, on the contrary, I appreciate you for saying what you feel and
combating my views if you see them differently.

We are in very troubled times, our industry and most definitely our country. We have no choice other than whether the storm but we can do all we can to fight it when it is wrong for our clients, the seniors. Thank you Question_mark, you have a good weekend.

My best,

John A. Smaldone

]]> By: Dbell http://reversemortgagedaily.com/2009/04/07/huds-new-reverse-mortgage-counseling-protocol-includes-test-for-borrowers/comment-page-2/#comment-33898 Dbell Fri, 11 Sep 2009 21:49:31 +0000 http://reversemortgagedaily.com/2009/04/07/huds-new-reverse-mortgage-counseling-protocol-includes-test-for-borrowers/#comment-33898 I understood clearly what you were saying and you are so right. lets turn the clocks back to where a reverse mortgage was black and white.. I understood clearly what you were saying and you are so right. lets turn the clocks back to where a reverse mortgage was black and white..

]]> By: Dbell http://reversemortgagedaily.com/2009/04/07/huds-new-reverse-mortgage-counseling-protocol-includes-test-for-borrowers/comment-page-2/#comment-33896 Dbell Fri, 11 Sep 2009 20:50:33 +0000 http://reversemortgagedaily.com/2009/04/07/huds-new-reverse-mortgage-counseling-protocol-includes-test-for-borrowers/#comment-33896 I agree I agree

]]> By: Dbell http://reversemortgagedaily.com/2009/04/07/huds-new-reverse-mortgage-counseling-protocol-includes-test-for-borrowers/comment-page-2/#comment-33895 Dbell Fri, 11 Sep 2009 20:46:37 +0000 http://reversemortgagedaily.com/2009/04/07/huds-new-reverse-mortgage-counseling-protocol-includes-test-for-borrowers/#comment-33895 Seems to me they are saying our Senior are uneducated and unable to know whats best for them. I don't see the same happening to forward borrowers. We are talking about people that have paid off there homes & obligations, responsible people. They thought they would live out there lives on penions,investments,SS and as we all have found out thats not happening today and age has nothing to do with it. These people are proud and the last thing we need to do is make them feel they have to beg for help.. I think it might be time for this honest, caring Reverse Mortgage Originator to change careers this saddens me... I'm glad my mother got her reverse mortgage years ago.. Seems to me they are saying our Senior are uneducated and unable to know whats best for them. I don't see the same happening to forward borrowers. We are talking about people that have paid off there homes & obligations, responsible people. They thought they would live out there lives on penions,investments,SS and as we all have found out thats not happening today and age has nothing to do with it. These people are proud and the last thing we need to do is make them feel they have to beg for help.. I think it might be time for this honest, caring Reverse Mortgage Originator to change careers this saddens me… I'm glad my mother got her reverse mortgage years ago..

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