Have you ever seen someone do something that seemed simple? Did you ever say, "boy, that seems easy enough, I could do that." And then try doing it and found you couldn't do it nearly as well?

I would venture to say that has happened to quite a bit of folks. If that did happen to you, did you change your whole perception of that particular activity? Sure you did.

The thing that most people don't think about is all the preparation that went on behind the scenes for that particular activity. And the person or people that do that activity seem to be naturals at it. I heard a term for this, "Effortless Perfection."

That's such a cool term. It wraps everything up in two words. It takes all the preparation, all the practice, all the trials, all the efforts and simplifies it.

BUT, in order for someone to be able to say "Effortless Perfection" when it comes to someone seeing them do their activity, there is a LOT of work involved.

Ever see a singer on stage perform their signature song?

Ever see a quarter back throw a 60 yard pass that hits the receiver right in the numbers?

What about an academy award winner?

What all these have in common is hours and hours and hours of practice. Because of the sheer repetition of doing the activity over and over, it becomes second nature to the folks that do these activities.

The same thing goes on in the mortgage business. The people that just quote rates all day do it well (assuming there is a "well" way of quoting a rate). The brokers that sell the Pay Option Arm on a consistent basis make it seem simple.

The whole purpose of this article is to make you aware that, although you might think the POA is simple to explain, it really isn't. Because there are so many different pieces and parameters of the POA, most brokers have no clue about what they are taking about.

If you think the POA is just quoting someone the payment options, you are sorely mistaken.

If you think the POA is for the lower credit risk folks, you're off base.

If you think the POA is the cause of the current housing and mortgage situation, you really don't understand the concept of what this loan is designed for.

Understanding and selling the POA is not an easy thing to do...at first. But, just like throwing a 60 yard pass, once you figure out the best way for YOU to do it correctly, then it's just a matter of perfecting it. When you do this, you have achieved "Effortless Perfection."