There’s always something to howl about

Archive for July, 2009

All is Well… (A Tin Foil Hat Production)

Quick check on the current status:

  • Goldman-Sachs reports RECORD earnings during the worst recession this nation has seen since the Great Depression.  Shortly after repaying $10 billion in tax-payer bailouts, Goldman trounced analysts’ estimates and continues to reap billions in profits trading in derivative markets.  (Actually, they trade in unregulated tertiary derivatives – that’s a derivative of a derivative of a derivative of something that actually exists, for those of you keeping score at home).  In the mean time, CIT – a company specializing in loans to small businesses and entrepreneurs – apparently serves no national interest to the Fed and has been told:  “Enough is enough.  No more bailouts”  (No soup for you!)  and is desperately searching for funding while on life support.  In related news, keys members of the Treasury, the Fed, the administration’s key economic advisers and the principles of Goldman-Sachs have all agreed on a new secret handshake and expect their membership-only lapel pins to arrive shortly.

After reading these items you might find yourself a little confused… apprehensive even.  You might wonder why the press does not present these bits of news together, in a way that reflects the absolute absurdity of the body politic today.  You might even find yourself becoming a bit fearful: wondering how we got to such a criminally illogical place (through the looking glass, as it were).  But not to worry.  Congress is going to help us understand what happened to the economy and how we got here.   They’ve announced a commission, chaired by a Democratic: the former Treasurer of California and a Republican: a former representative from California, to “examine the causes of the financial crisis” our nation currently faces.  It seems their related contributions to bankrupting the 8th largest economy in the world (the once proud State of California) were of little concernIn related news, it has been announced that registered sex offenders will be heading up a commission to explore marital fidelity and Governors.

Read individually, many of these news items are innocuous.  But taken as a whole, it becomes less and less difficult to suspect a conspiracy permeates politics.  Maybe this is all coincidence.  Maybe a Tin Foil Hat Production can be made to look quite stylish:

Paranoia... done with style.

But in the end, a proper response to our government was perfected over 30 years ago by John Landis in the movie Animal House.  He foresaw those in power telling us “All is Well” and – prophetically – he foresaw the results.  Who am I to improve on perfection:


Consider a Seller-Paid Rate Buy-Down Rather Than Price Reduction

Listing agents, considering offers might advise their sellers to counter-offer with a mortgage rate buy-down strategy rather than to reduce the sales price.


We like to help our agents with charts from our Mortgage Lens program.  The chart helps to illustrate the power of leverage, to both the seller and buyer, and gives us a shot at the loan business.

(N.B.- The chart shown doesn’t match the scenario below)

Here’s a scenario designed to meet both the buyers’ and sellers’ objectives:

The property is listed at $300,000; an offer comes in at $283,000.  One of the most important benefits of the lower price, to the buyer, is the lower mortgage payment.  An 80% loan on $300,000 (at 5.25%) would yield a P&I mortgage payment of $1,325.  Lowering the price to $283,000, would lower the loan to $224,000 and the payment to $1250/month.

Consider a mortgage rate buy-down as the counter-offer. For two discount points (about $4800), the seller could reduce the rate to 4.75% and the payment to $1251.  The buyer gets the payment he wants and the mortgage rate buy-down strategy saves the seller some $12,200.


Unchained melodies: Stumblin’ onto the heart of Tom Waits

I’ve been tormenting Teri Lussier with Leonard Cohen. We can plumb for a new pain threshold with a selection of classics from Tom Waits. I don’t love everything about the sentiments behind this music, but I will always give it my highest score for having ambition, for daring to be something different from all the other crap that flows through your ears without ever penetrating your mind. The art that matters most to me is about splendor, where much of Waits is about squalor — but at least it’s about something. Give it your attention and see if it is repaid.


With MLS listings available everywhere on the internet, why do you need a buyer’s agent?

This from my Arizona Republic real estate column (permanent link):

Here’s an intriguing question: Given that it’s so easy to search for homes on the internet, why do you need a buyer’s agent?

Face it, if you use the MLS search tool on my web site, you’re seeing exactly the same listings I see. And you know better than I ever could what you like and what you don’t like.

By now, the home search process is at best a partnership between the agent and the buyer. In some cases the buyer and I will work together to perfect our search criteria. But many buyers simply search the available inventory on their own, emailing me the MLS numbers of the homes they want to see.

So why do those buyers need a buyer’s agent?

Realtors hoarded the MLS data for so long that even they came to believe it was the source of their value to buyers. But this is very far from the truth.

You don’t need me to search for listings, although I’m happy to do that. And you don’t need me to open lock-boxes. You need a buyer’s agent to guide you through what is in fact an arcane and perilous process — potentially a financial disaster. You might not need me to find your next home, but you need me to make sure that you get it — or that you pass on it, if that is what is truly in your best interests.

A skilled buyer’s agent will write the kind of purchase contract that will prove surprising to you at every turn, with every term and condition tailored to achieve your best advantage. Your agent will supervise the inspection process and negotiate the optimal solution to the repair issues. Your agent will be prepared for every pitfall in the escrow process.

If you bought and sold houses every day, you could do all these things yourself. It’s because you don’t — and because the seller and the listing agent are looking to take advantage of your naivete at every turn — that you need a skilled buyer’s agent as your steadfast champion in the home-buying process.

Steal this book: I’m going to write one or two more columns on this theme. If you want to use any of them on your real estate weblog, feel free. Just give me a link back to


A Sailor Jerry Moment


The base anticipation that precedes any journey to a new destination is always more vivid for me than the denouement that accompanies the physical descent to earth.  With rare exception (perhaps Paris and maybe Vegas), the image I conjure up in my two dimensional mind beforehand always seems to fall somewhat short of the real 3-D deal.  On our first trip to Maui, for example,  my notion of grass huts  and Woody Wagons clamped with surfboards was quickly dashed the moment I spotted a Costco and a  Wal-Mart just steps from the arrival terminal. It was raining  ukuleles that day and the lone, Port Authority hula dancer was, how shall I say… Samoan? I was expecting something a bit more, I don’t know….svelte?; like the subject of one of  those Sailor Jerry tattoos I threaten to get stenciled across my chest every 120  lunar cycles or so—-pure 1950’s  South Pacific paradise-of-the-mind stuff. I think we  bought our own leis for 8 bucks each at the gift shop, rented a Taurus from Avis, and called it a day.

And it’s not just Hawaii. The same holds true for Jamaica—or as I like to call it, The Bangladesh of the Caribbean, with its human squalor, smelly ceviche,  and over-abundance of  muddy water. Even the Antiquarium in Boscoreale, Italy, beneath the shadows of a nearby looming housing project,  is sequestered by a string of barbed wire and discarded heroin needles. Not that I don’t enjoy myself abroad, mind you. I’m an enthusiastic traveler, to be sure. The foreign landscapes that ultimately unfold just never fully mesh with the spatial images dancing around in my head before touch down.

Alaska was pretty spot-on but to be honest, I wasn’t expecting  too much from that particular latitude. And while I did not get a tattoo while docked in the port of  Juneau,  I was presented with a  shiny new Rolex Datejust in our cruise ship cabin later that evening.  Since I’m clearly never retiring from anywhere,  my wife decided to give me my ceremonial timepiece a few decades early— for my 50th birthday.  Just so you know, the name MONA, is tattooed on my left bicep. (It was only erased and changed to MOM once, and then back again to MONA as quickly as possible but as I often tell whoever will listen—that’s another story for another weekend writer’s block.)  I’ve long since  admitted to God, to myself, and to at least one other expatriot on foreign soil,  that I should have re-thought that whole laser/erase/redo episode beforehand. So what if  the Rolex is stainless steel and not gold. I’m just assuming its not a fugazi.

I’ve owned 20 different vehicles and  a half dozen dwellings in my 30+  years as an adult—each one, a little disappointing in its own way;  wrong model, too small an engine, obstructed view, wrong city.  Never ‘Sailor Jerry’ perfect like those carefree models on the vintage posters—forever young and beautiful.  Never what one thinks a tattoo is going to be before the alcohol wears off, the flesh begins to rip, and the ink sets in for good.  This causes me to think of the elder men who have preceded me in this life as I  ponder their own indelible whims.

My Uncle Zip never did move back to Hawaii after World War II, or own a brand new Coupe De Ville like he said he one day would, or meet Frank Sinatra in person (Vic Damone or Buddy Greco either, for that matter).  But every speck of his being, from here to eternity, let everyone within swinging distance know that these were items on his personal bucket list.  In my uncle’s case, the dream itself seemed to suffice in lieu of the destination or even the journey.  When the old Navy dog finally did make his final pilgrimage back to the Big  Island much later in life  he would, too, find his black sand paradise covered beneath a sheet of rain and asphalt.  He died in Levittown, Pennsylvania  with a  rusting Dodge Polara in the driveway.

And as I now recall my own father, a soul whose passing is still within clear sight, I’m certain he would have preferred to  spend his final years gazing at egrets and herons through binoculars from an Adirondack chair in Cape May, New Jersey; much more so, I think, than being held hostage by the Fox News Network and ESPN via his north Philadelphia blue leather recliner while fretting  over the  pink ink of  his Wachovia accounts. Think about it—a  man can  probably die wherever he wishes with some  proper planning, enough dough, and  a little luck. He just needs a willing spouse to help  move things along.  That’s all.

Truthfully though,  I don’t give this all too much thought.  I see little use  in being disappointed in something as anti-climatic as my journey to the After Life. Obsessions, like tattoos, begin to fade after so many years in the sun. But you must admit,  those  four-color brochures that the Seventh Day Adventists leave on the front porch every summer do catch your cosmic eye—like a Sailor Jerry classic. In Paradise. ‘Forever.’  On a deep six holiday.

image by sailor jerry


Now Could Be A Good Time To Buy A Top-Notch Home

Some Well-Maintained & Updated Homes Are Better Values Than Foreclosures

When all of the comparable homes in an area are foreclosures and short sales, you could get a really good deal on the nicer, well-maintained and updated homes.

A broker recently called me regarding one of her listings. It’s a super nice property that’s been upgraded to the hilt – but every single comp within five miles that has sold in the last twelve months has been a foreclosure or short sale. Her problem was not that her listing wouldn’t sell – but that it might not appraise.

In certain areas, finding good comps for nice homes has become quite difficult – and depending upon the appraiser, you might not get the appraised value that is specified in the contract. Obviously, this is more of a problem for the sellers than for buyers.

When home prices are rising, homes that are not in good condition often sell for more than they should – and will appraise for more than they should, as well. The nicer homes tend to pull the values up. But in a declining market, homes that are in need of repair – or a quick sale – tend to pull the values down… therefore the sellers of nicer homes find it difficult to obtain top dollar – or a higher appraised value – for their properties.

So while you’re out trying to find the best foreclosure or short sale for your clients – take a look at some of the nicer listings. If you find a motivated seller, the best deal just might not involve a foreclosing lender.


For those of you following the lurid drama of our lives…

We bought our house out of hock today. All it took was a tiny little pawn ticket and a great big check. Our small feat of redemption was actually paid for by June’s receipts, but I got myself into this mess by surfing the payables, and I got myself out the same way. We retired the outstanding debt eleven days early, and it’s been a while since we’ve been that early on anything.

That notwithstanding, we are very far from being out of debt. But June was great, July is good, and August and September promise to be two of our best months ever. If the fourth quarter lives up to its promise, 2009 could end up being our best year so far. By this time next year, we could owe nothing but the mortgage — which is good, because our credit will take a while to recover from these past three years.

There is none of this that is anybody’s business, actually — except that people choose to affect to make my business their own because of who I am and how I behave. That’s fine, even if it sometimes seems to me to be simultaneously voyeuristic and masturbatory. I have a job that pays pretty well when it pays anything at all. When we got slow three years ago, we made a very big bet on internet marketing, which we were already pretty good at back then. By now we kill, and we’re getting better by leaps and bounds every single day. If you think our financial troubles prove our marketing ideas wrong — you just keep thinking that way. By the time you understand what it is we’re doing, we will have leapt into a completely different orbit.

Meanwhile: For all the good-hearted folks who wished us well in all of this: Thank you. I’d rather not have done this in public, but I couldn’t have picked a nicer bunch of people to do it with.

Now switch off this insipid soap opera and go do something productive with your life!


“Since when does our great free-market country punish success?”

Attention U.S. Chamber of Commerce President Thomas Donahue: It’s the pretty blue one, third rock in from the middle.

Here’s a bumper sticker I wrote today, with the sentiments expressed in their proper configuration:


Just had to share this….

I was doing some research today and came across an article on from 12-01-2006 about The Top 25 Most Influential Thought Leaders in Real Estate. After a list of 25  builders of the status quo, they had a runner-up list of 15.

Robert Schiller made that list, here is the “why”:

Got big media coverage equating rising real estate prices with the tech bubble, but we haven’t heard the pop yet.

Robert Shiller scored instant media celebrity when his 2000 book, Irrational Exuberance, predicted the tech bubble’s explosion just weeks before the fact. Four years later, when he tried to apply the same principles to the real estate boom, he found out that all investments don’t behave alike. Shiller contended that rising home prices weren’t based in the fundamentals of population growth and supply and demand; they were bubbles, destined to pop.

To the contrary, NAR economists predicted that market slowdowns would largely be gradual—a trend that’s playing out today. Shiller’s failed bubble scenario demonstrates that sometimes even smart guys get it wrong.

Yeah, and sometimes economists who work for the status quo get it SO wrong it makes you laugh out loud.

By December 2006, wasn’t it already becoming clear that sub-prime was a the tip of the iceberg? The Kool Aid must have been strong at for them to tempt fate so blatantly.


Web 2.0 in real life in Metropolitan Phoenix

I’m thinking about putting something together for wired minds in the Phoenix Metroplex, a get-together for Phoenicians interested in Web 2.0 sales and marketing ideas.

I’m thinking this Friday for a kick-off event, but, if it works, we’ll do something once a month or so.

Organizational ideas are welcome. And: Feel free to pass this on.


On Mortgages and Moral Compunction

What would it take for you to walk away from your mortgage?

Kenneth Harney, in his column Nation’s Housing, reports on an interesting study recently done by the University of Chicago’s Booth School of Business and Northwestern University’s Kellogg School of Management.  This study took a look at homeowner’s attitudes toward mortgage defaults, specifically what’s come to be called “strategic” walkaways or decisions to bail on a mortgage due to purely economic reasons.  The study found that “26% of the record number of home mortgage defaults across the country” were strategic – the homeowner had the ability to pay the mortgage but chose not to because the debt was greater than the asset.  In other words, one in four of the current foreclosures is not due to hardship, but rather a lack of compunction.

My partner and mortgage rate expert, Brian Brady, has for some time now railed against the disappearance of moral compunction with regard to mortgages.  His contention, as I understand it, is that moral compunction was  priced into the model by lenders.  There has historically been a stigma attached to not paying one’s debts, especially one’s home mortgage debt.  This may or may not be true; I am no expert on the history of mortgage defaults in our nation, but it is certainly compelling.  If accurate, the obvious question then becomes: to what degree did moral compunction affect rates and if it is indeed gone, how much higher will rates go?

There is no real mystery to how mortgage rates are priced.  Mathematicians create models of mortgage “behavior” based on the 4 C’s: Capacity, Capital, Collateral and Credit.  Of these four, Credit is really what we’re talking about here.  Your income, your assets and the property’s value are theoretically objective but your credit… well, it’s not really credit that’s being measured here is it?  It’s your Character; your likelihood to honor your debts, although lenders don’t like to say that because it has a snooty, superiority quality.  Make no mistake though, character is most definitely being evaluated during the loan process.   So the question seems to be: How do these mathematicians change the models to reflect a decrease (or abandonment) of moral compunction?

That sounds like a difficult question to answer but I think we can make it a little easier.  If we read further into the study by co-authors Paola Sapienza, Luigi Zingales and Luigi Guiso we realize there is in fact a sliding scale of moral compunction practiced by American homeowners.  (That last statement should be read with tongue in cheek; sliding scale and moral compunction are oxymoronic… you cannot be a little bit pregnant.)  When asked, “81% of household heads said they believe intentional defaults on mortgages to be ‘morally wrong’.”  Yet that number dwindles down as negative equity grows; by the time we get to negative equity of $200,000 fully one in three of these same homeowners would strategically default.  Turns out the act they found “morally wrong” was actually just mis-priced.  In other words, a great many homeowners find morality to be a good thing… taken in moderation.

Besides negative equity, the authors discovered a number of other factors that might influence a homeowner’s decision to strategically default, including age (younger were less likely to have a moral issue) and political affiliation (self-described political independents were also less likely to have a moral issue).  But the other significant factor was familiarity.  Not only did having a greater number of foreclosures within the local community increase the likelihood of a strategic foreclosure, but “owners who (knew) someone who defaulted strategically (were) 82% more likely to default themselves, compared with owners who (did) not know anyone in that situation.”  As the old saying goes: “Familiarity breeds contempt.”

Earlier I wondered how mathematicians could change mortgage pricing models to reflect the empirical observation that making one’s mortgage payment has lost moral compunction.  Based on this study, there is no moral component and probably never was.  The first step then, is to remove the variable of morality altogether.  The model should instead add two more C’s: Community and Contact.

  • Community would account for the percentage of foreclosures within a borrower’s local area, probably using the same distance radius now used for comps in appraisals.  Deriving a statistically significant factor for the likelihood of foreclosure based on the percentage of foreclosures within a Community should not be too difficult
  • Contact would ascertain whether or not the borrower is acquainted with someone who has walked away from their mortgage.  Again, if a borrower is 82% more likely to walk away from their mortgage based on knowing someone else who has done so, that’s a pretty important variable.

Does that last one sound a little intrusive to you?  We ask similar questions of potential jurors in order to seat an impartial jury.  Is accurately pricing mortgages for the housing industry somehow above such questions?  Have you looked at a mortgage application lately?  It is easily the most intrusive document ever created for general public use.  Have a job?  We want to talk to your employer.  Got divorced?  We want to look at the entire decree.  Own your own business?  You better just send me a copy of every schedule of your tax returns for the past two years.  There is a list of over a dozen declarations you must attest to regarding law suits, bad debts, citizenship and so on.  Another question regarding your familiarity with strategic foreclosures would hardly encumber the process.

Like it or not, this issue has to be resolved.  Without a substantive discussion and response to strategic foreclosures, mortgage pricing models will have no choice but to account for foreclosures – both hardship and strategic – with across the board increases in rates.  That is the easiest hedge against increased risk.  But such indiscriminate rate hikes will only serve to diminish the housing industry and punish the vast majority who have acted responsibly.  Does that sound moral to you?


Viable Business Models ….

After reading through John Rowles’ post about Glenn turning things profitable. (Hope that sticks for you Glenn, way to go.) And reading Michelle’s comment, where she rightly noted that Glenn has made changes to his model to get profitable, I thought some further comment is in order.

When I raise my glass to toast Glenn’s accomplishment, I am toasting HIM, and not his business model. Of course he has made changes (in my opinion–they were needed). Yes, he made a hugely difficult decision to cut staff in order to GET profitable. He made many other changes as well that were equally crucial.

It was countless moves that many others in his shoes might not have done and it was agonizing (I am sure) for him at times.

There have been numerous firms that have gone under trying to see “how low they can go”…commission limbo is VERY hard on the dancers as opposed to selling value. Looks easy, but it ain’t. How many caracasses of those companies have we seen strewn along the way.

After reading Rowles’ post I then flipped over to Joost De Valk’s post on his blog about the business model for WordPress and how theme developers vs plugin developers are being treated.

He argues that there should be commercially supported plugins (read: not free) as well as free plugins (GPL- or gnu public license) on the WordPress plugins site.

I agree.

Plugin developers (if they are good enough to develop commercially viable plugins SHOULD be able to charge and charge what the market will bear.) Those who want to work for FREE are able to do so. (They will starve.)

In my own business at EricOnSearch, I have used several models (started with full service SEO, then went to Coaching, and now emphasize joint ventures with select partners).

There are lead generators out there who are profitable and there are many who never will be and will die or sell out due to lack of cash. (How’s the burn rate, fellas?)

I guess the bottom line is this. I like freedom. I like people who succeed. I celebrate profitability. (and there are some profitable lead generators out there) And I toast the winners and console the losers in a Vince Lombardi sort of sadistic way. (grin)

Here’s to Joost trying to get the WordPress folks to quit insisting on giving away the plugin store and putting the tin cup away in favor of the cash register. Here’s to Glenn for making the tough decisions (including sending leads outside, right?).

And here’s to me making the 18 hour days turn into peltless kitties and giving Mrs Eric and the rest of Team Eric the lifestyle that I would wish for them. (grin)

Best to all.


Redfin Turns a profit

Mention “Redfin” to many real estate traditionalistas and among the “Yeah, buts…”  the closer is usually, “Yeah, but they aren’t profitable.”

That is no longer the case.

Congratulations, Glenn.

As we ponder the future of this business,  the impact that technology is having and will have, and why it is taking so long to see real change, Redfin’s success proves that, sooner or later, money talks and bullshit lets its license expire.


Halfway Through The Year (And Then Some) What Next?

[[Crm notes: OK, I’m not gonna give a green light to Infusionsoft, not yet.  I HAAAATE the interface. But… there are triggers & action sequences that do a lot.  It might be the real deal.  This said, especially since they are ditching or have ditched most of their upfront fees.]]

So we’re smack dab in the middle of july.  5.5 months left in this year.

How’s it going?

Making enough?   Was talking to Tim and Alexis McGee the other day.  They tell me that loads of Realtors are not chasing dreams and in are survival mode.  But, that they don’t wanna leave the business that’s not making enough anymore.

Look, 5.5 months are left.  165 days.  120 workdays.  Tick Tock.

Time is the enemy right now.  And not go go all Purcell and Brady on you, but is it gonna be EASIER, EVER to build wealth than it is today?  Tick Tock.

How many closings have you had?  If you double it, is it enough?  If it’s not, what will you do differently to get more business in the door?   Tick Tock.

Most of the industry, like it or not, makes it harder to do deals past Thanksgiving.  There are 137 days till then.  And only 106 work days, based on a 5.5 day workweek.   Tick Tock.

Now, I’m saying this because we gotta be cognizant every day that it’s go time.  Time is finite.  It’s every one’s tendency to spend some time, “planning to get ready.” Tick Tock.

Now is ready time.

Every month has an excuse not to do jack in real estate sales:

  • January- “All my clients Just got over the holidays.”
  • February- “All my clients Waiting for the spring rush.”  (Deus ex machina).
  • March- “All my clients are getting their houses ready.  Mmm doggie, summer’s gonna RAWK!”
  • April- “All my clients are waiting for summer.”
  • May- “All my clients are priced too high.”
  • June- “All my clients are expecting a deal that just doesn’t exist.”
  • July= “All my clients are on vactation.”
  • August= “None of my clients want to take their kids out in the middle of a school year.”
  • September- “You can’t get ahold of anyone around labor day.”
  • October- “This fall is unseasonably cold.”
  • November- “My clients are getting ready for the holidays,”
  • December- “Who sells in December,”

Get it?  Alec Baldwin’s moment of GLORY talks about this.  (Jump, Jeff Brown, to 5:55 for the punchline). We’re half way through.  Not time to rejigger your systems.  Not time to reinvent stuff.  If you’re not selling, bang the damn phones.  Bang on doors.  Network.  Give of yourself.

One thing that I realize–as I went through the meat grinder of the IRS is this: I’m not yet wealthy because I haven’t rendered enough valuable stuff to other people.  Boom.  That’s it.  That’s the only reason why I was subject to the caprices of the IRS, that’s why I’m 33 and have a negative net worth.  Serve others, and they pay you.  Keep the money and it becomes a fortress against whatever.  My success this year (a trending right mixed bag) has been because of my dedication to help out, pitch in and give stuff to good people.  I ain’t perfect, we all know that.  Nobody is but the Nazarene makes that claim.

That puts me at the punch line: you’re halfway through the year.  Have you given enough of your expertise? Have you given enough knowledge?  Have you locked the right rates, and told the full truth?   I am not yet there, but I’m closer than last year.  I’m getting somewhere.

My numbers this year will have to improve second half by about 25% for me to be content.  That starts with being always cognizant of what kinda time we have.  We don’t want to be like Napoleon & get slaughtered by General Decmeber, January or February.  We don’t want to rationalize a bad finish with a ‘we’ll get ’em next year.’

Time to bang some phones and sell some blogs. Tick Tock.


Some questions about using DocuSign for electronic signatures

We’ve avoided DocuSign because ZipForms was so terrible in the Mac world. While the new implementation is not great, it’s better. And as kludgey and expensive as DocuSign seems, I really, really want electronic signatures.

But I have questions:

1. Can I use DocuSign to do my “broker oversight” signatures? That’s not a legal question. I’m just asking, is it possible?

2. If I receive a document — say a counter-offer — from another DocuSign-using Realtor, can I use DocuSign to get my client’s signature on that document?

3. Same question, but just an ordinary PDF? How about an ordinary fax?

4. What about added documents? We do a lot in the way of extended additional clauses, especially on listings, with each version of those clauses being unique. Is it possible to add our own forms in a DocuSign envelope?

5. What do you love about DocuSign?

6. What do you hate about it?

I’m grateful for any insights you can offer.


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