T’was the Week Before Christmas


Editor's Note: We have some super talented people at Mortgage Master.  This poem was written by Shelli Nixon at our office and shared during our RESPA training today.   This is posted at Mortgage Porter with her permission to share with you!


T'was the week before Christmas

When all through the lands,

LO's and Closers were wringing their hands.

RESPA Changes are coming,

They all started to worry,

We'd better get trained, and trained in a hurry!

We all kept on hoping

There would be a delay.

But HUD said, "No Way," it's all here to stay.

"We love our new HUD

And our new GFE,

Don't fret, don't worry, it's as simple as can be."

We all shook our heads,

Threw our hands to the sky.

What were you smoking?  You must have been high!

You took a one page doc

And changed it to three.

Easier?  More simple?  How can that be?

The Regs don't match up,

So now what do we do?

HUD says, "No comment, It's all up to you."

No info on TILA,


We are totally screwed, why can't they see??

In a time when some borrowers

Think lenders are scary,

You've given 3 pages to make them more wary.

This doesn't make sense,

Not one little bit.

We are all trying hard to not throw a fit.

So we all do our best

To put borrowers at ease.

But make more reform, please, please, please!

Please bring someone in

Who knows what to do.

What is best for both borrowers AND lenders too.

We are all still waiting,

Though not holding our breath

And hoping the government doesn't "Reg" us to death.

So on this week before Christmas,

I'd like to wish you

Good luck with RESPA, I need it too!

~Shelli Nixon, Mortgage Master Service Corporation<


  1. One of my readers submitted a rebuttal to this poem which I posted at Rain City Guide:


  2. …soon we’ll have a new document to replace this Good Faith that HUD created (along with many headaches). Great intentions – terrible document.

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