I've had clients do this before... its technically not very ethical because thats kind of the definition of bait and switch...although if you never respond to them at all I guess its really no harm done.

Here is a true example-- I had a client with an ARM at 11% in August.

The FDIC prefers to move in and take over at 5pm on Fridays to give them the weekend to clear things up and so people can't panic as much-that shows just how bad things were for WaMu if they couldn't wait 24 hours.On a WaMu side note-we just got a new client at my firm in the past month, her father passed away and surprisingly left her 2.5 million. 750k of that was in WaMu CD's.

Got a call from a client today, they said that they spoke with the trustee on their auction when they were sending them their BK information.

As an agent who does 97% referral business, all of my good deals go to clients and investors who pay me what I am worth.

Many clients are slow to pay, slow to decide, want to control costs and fees.

Over the last 12 months I've spent countless hours researching banks nationwide and have developed quite a few relationships which can be passed along to clients.

I have a client who needs to unload a small sub-ordinate lien.

Here are a couple of low risk, no money down strategies that have worked well for my clients and myself during this “Slow timeâ€.Coming from Michigan I am all too familiar with a crashing real estate market.

My goal remains in the double digit millions as that will be enough for my family, my kids and their kids to have very comfortable lives and always have a nest egg.I do like Kevin's response the best, creating $1B in net worth for clients is certainly a goal worth achieving!