B (4:46)

Can we do a hypothetical objection?

A (4:48)

Yeah, sure. Go.

B (4:49)

So what we're running into with a lot of rising rates is people saying, I'm just going to go to my own credit union. This is what I'm pre approved for. How would you handle that? Because we still want the commitment of the Credit Act.

A (4:58)

Yeah, totally understand. Hypothetically speaking, if I could beat your rate and I got a better rate, that wouldn't offend you or upset you in any way, would it? Okay, so what I'd like to do is this. I know that if I don't look at it, I couldn't tell you what I could do. Obviously you're not going to make any decision to go with your bank or this one. You already know what you have at your bank. If I could better it, it saves you more money. And you said you wouldn't be mad at that. Let me go ahead and get the information on that. When I return, I promise you I'll blow your mind. And in the end, it's your decision. Is that fair? Overcome it. Listen me, look at my hands. I keep putting my hands up like, hey, no big deal. Hey, no big deal. In the end, it's your decision. Whatever you want to do. It's all up to you. I'm here to serve you. Hey, we're really good at what we do. I know that you don't want to put all your eggs in one basket. If there is a better way to go, if you could save more money, I know that you just want to go, who's Going to save you the most money. Let's make sure that we get that taken care of. Hey, we're really good at what we do. I've got 60 banks. You've got one. 99% of the clients that came in here actually end up getting a better rate with us and choose to go with us. We're not going to make that decision right now. I'm going to give you the information and then you make that decision. Is that fair? Notice I keep bringing it back around to you, but I keep giving you reasons and excuses why you should pass. Go.

B (6:07)

No, no, no, no, no. I'm only going. I'm a teacher. I'm only going to schools first.

A (6:12)

Yeah. So? Well, so what we need to do at this point is just get all the numbers and if that's the one you've decided to go with, then that's completely up to you. Okay. One of the reasons why I don't like doing that personally, this is just my personal deal, is I don't like to put all my eggs in one basket. Okay. Because one day, even though you're with teachers, what if something happened? They end up charging you extra high rates or something crazy happened and you wanted to go to another lending institution. I don't know. Do they report to TransUnion, Equifax, and Experian? All three or just one? See, I don't know the answer to that. See, I use nationwide lenders. We're a large dealership, so we use nationwide banks all around the world that report to all three credit bureaus. What? I've heard from some people, they complain about teachers, credit union because they say they don't report to all three. Now, I don't know that, but I know that's why at least I would want to look at our option and see how this would be better. And then it would still be your choice. Would that be okay? Can I at least give you the option? I know something that if I qualify for something, I at least want to know it. I at least want to see it. Do you agree? Are you kind of like me? Cool. And I'm not asking you to make a decision, but at least I want to show you what you do qualify for and what that looks like. What did I do? Notice I went. I said, most people don't want to put all their eggs in one basket, right? I've known clients, not saying that that's you, but I've known clients that have used X, Y and Z Credit Union for all of their loans and all of their purchases. And then something happened Wednesday and they realized that that credit union didn't report to all three of the major credit unions. Plus, is teachers credit union in all of the other states. Are they only in California? Probably only in California, right? What am I doing? I said, david, you know, hey, what's your credit score? Because I don't know what hers is. I say, what's your credit score? She says, a 730 could be because you don't diversify your credit with any other lenders. The fact that you continue to use the same credit union over and over again. We don't know if they're reporting to all other bureaus. But plus they're probably only in the state of California and they're not a nationwide lenders. And using all 50 states, this might not be a bad opportunity to look. Look with your eyes at a different opportunity that could increase your credit score, give you even a better rate and have a lot of different benefits. And then in the end, if you decide you want to refinance it later and go back to your credit union, which doesn't cost you nothing, it could actually increase your credit score, give you a better rate today, and then you can do whatever you want in the future. Couldn't we just look at it, guys? You see what I'm saying? Do you feel me? Can you guys talk like me? No, no, no. Damn right you can. Listen, I'm going to explain this. Are you ready? 18 years old. I stuttered, okay? I stuttered. I started at the car dealership and this guy goes, ah, he stutters. And I did stutter. You know why I stuttered? Because I would always try to say stuff and I. And I didn't know what I wanted to say. So I would get stuck on like, whoa, whoa, whoa, whoa. I was an amateur, right? Amateurs always lose. Amateurs can't be confident. Amateurs can't push through the cell. Amateurs don't let their words flow like water. Does that make sense? Hey, guys. Looks like you made it to the end of the video. You're the true 0001 percenters. Look, I know 1 percenters that can make it halfway through the video, but making it all the way through. You guys are the best. Now here's what I'd like to do. Number one, I want to get closer to you. The fact that you made it all the way through the video, you're like, man, dude, I want to roll with this guy, okay? So I need to connect with you down below. There's a description box on this YouTube video, there's a link, it says coach with me one on one. Ok. If you'll go and you'll enter your information, I'll reach out to you in the next 24 hours. You can tell me what you need, help with, what your goals are and we will crush it together. I would love to help you guys go to the next level in life. You can tell I'm changing my life really fast and I know that you guys want the same thing. I'd love to go with you on that journey. So right now, if you'd like to partner with me, team with me, if you want me to help coach you and push you, everybody needs a coach, a higher level of accountability to go to the next level. Go to the description box below, click on the link, fill out your information. I'll talk to you in the next 24 hours. Let's kill it.