I read a story once about professor teaching Political Science.  His class of young whippersnappers, maybe a few future star Florida Mortgage Brokers, in their midst, sick and tired of the corruption and profit taking of big business, implored this professor that socialism should be the way of the future.  No one would be poor, no one would be rich but everyone would be happy and equal.  The teacher thought it over and came up with a very novel approach. 

All grades would be averaged and everyone would receive the same grade so no one would fail and no one would receive an A.  After the first test the grades were averaged and everyone got a B. The students who studied hard were upset and the students who studied little were happy. But, as the second test rolled around, the students who studied little had studied even less and the ones who studied hard decided they wanted a free ride too; so they studied little.  The second test average was a D!  No one was happy. When the 3rd test rolled around the average was an F.

The scores never increased as bickering, blame, name calling all resulted in hard feelings and no one would study for the benefit of anyone else.  All failed, to their great surprise, and the professor told them that socialism would also ultimately fail because when the reward is great, the effort to succeed is great; but when government takes all the reward away; no one will try or want to succeed. 

We work hard for your business here at Bayside and we have 20 years of complaint free history to back that up.  You can trust us like you can trust the sun will rise tomorrow.  Do we always have the best rate - absolutely not, but most days we do and you will be dealt with honestly and promptly.  You can call our office any time of the night and you will get me.  Try it - call me at 3:00 AM see if I answer.  As far as Florida Mortgage companies go - we are a tiny boutique operation but we are always on the other end of the phone and there will never be a surprise.  These are difficult times, let us help.