You never get a second chance to make a first impression. This advice is even more prudent when dealing with Internet leads where you don't always get to meet the customer face to face. How you approach and make your initial introduction can have a lasting effort on the entire loan process. Here is a letter from my private files that successfully opens the conversation and sets the stage for what could only be called a smooth loan closing and another happy customer. This resource is in Microsoft Word format.

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