Finances

Last night, I received a phone call that turned out to be rather enjoyable for me.

The caller identified himself as a representative of our current mortgage company.  They're calling people and making sure that their mortgage(s) are meeting their needs.  They want to make sure that we're in the "best position possible."

Translation:  "Are there any other services that we can sell you."

The phone call was pretty short.  He first asked if I was still comfortable with my mortgage payment.  I told him to look through my payment history and that would be self-evident.  He saw that we're paying extra principal each month and spontaneously reacted with "Whoa!  You're really trying to knock this one out, aren't you?"  After a rather long pause (where he was probably reading telemarketing scripts and looking at our information), he finally said, "Well, unless you're going to do major renovations or need us to increase your Home Equity Line of Credit, I don't think there's anything else we can really do for you."

I suggested that he might lower our interest rate, but he couldn't do that.

It really seemed to surprise him that there really wasn't anything for him to sell to us.  He said it was very rare that he had such a short phone call with absolutely no options.  I like being in that position.