[Zach]

Example... this guy could have EASILY been turned down. Those lists and people you call get the SAME calls all of the time! In no way am I saying to be a comedian over the phone- but you get it.

https://youtu.be/LAo-DmzdvK0

Absolutely agree with this; comedy is an incredibly useful tool, although you have to be careful to not come across as a "clown."

The way you get apps back is by building a strong rapport, exemplifying your professionalism, and weeding through any smokescreen objections (concerns they have not voiced).

"Bob, I appreciate this time we have spent on the phone together. I feel like I have gotten to know you personally and as a fellow professional. Maybe I can stop by for dinner or a drink sometime! Now, before I ask you to send back your application and statements, do you have anything that would possibly hold you back from accepting the loan we just spoke about?"

Works for me.