I must agree with the happy borrower thing. In my case I mostly deal with locals refinancing but most of us who live here are quite happy and relaxed. I don't usually encounter annoying borrowers. There is a thing we call Ohana here which means family and we feel that way about eachother. We treat eachother as if we are all family. That is why I love living and working here. I also sign a lot of tourists on vacation and they are usually even more relaxed. Sitting by the pool signing docs...just don't get the papers wet. :-)
Our governor came up with this certification thing just this year. Not sure if it helps at all but I guess we gotta try. :-)
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