Marie.I appreciate all of the responses, and encouragement.

I would still strongly encourage a fixed rate loan.

Asking them to sign a new one wouldn't encourage them to start looking elsewhere, as the time and expense of moving deters most people.

Many homeowners are encouraged to "stay in their homes" even by the government, often living there rnet free and mortgage free for more than 1 year.3.

Nobody knows what you're looking for more than you, but I always encourage any agents I come across to send me deals if they have one.

I was a 23 year old CEO of my company, and felt the same thing-not being taken seriously.I want to give a thoughtful word of encouragement, that it is YOUR RACE, the path is looong and in the end, only with yourself.You DONT need validation from ANYONE, and find the folks who will support you and nurture you.The cynics and naysayers. . . well they SUCK!

Generally a high traffic area, maybe on a table near the copy machine would be just the right spot that would encourage them to collect their data and get the heck out of my way.

While I'm on the subject - something that really irritates me is when one of my clients is trying to do something and the other business party with whom my client is working (or trying to work) is leery about something and consults their attorney (that part is great - I encourage everyone to make well informed decisions).

Something to keep in mind in regards to trying to encourage ethical behavior in the RE community is that many laws and regulations that seem unfair and onerous came about when government finally stepped in to address shady or unethical behavior.

I was encouraged by two other investors, to submit another offer for $500 to a $1000 more than my first offer (then the investor told me a story about how it had worked for them on a HUD Property.