What the Mortgage Industry Can Learn From Zuni Café

We have only one stomach with a limited capacity, but our brain has no limits. We need to feed them both; so choose your food carefully.”

zuni1 The meeting place

 

When I am asked which is my favorite restaurant in San Francisco, without hesitation—my answer is Zuni Café. Despite the misleading name, it is a large restaurant located on Market street (between Gough and Franklin Street). We’ve been going there for at least 23 years. In San Francisco, we are blessed with many great restaurants, and since we often eat out, we have been in many of them through the years.

We go to Hayes Bar and Grill for very good fish before concerts at Davies Symphony Hall. We go to Firefly, a neighborhood restaurant on 24th and Douglas, for excellent eclectic cuisine. There is a new small Greek restaurant on West Portal called Orexi, where the food is as good as at Kokkari, downtown. There is a Vietnamese restaurant, The Slanted Door, in the Ferry building (and its smaller version, Out The Door, on Bush and Fillmore).Outerlands, is at the end of Judah street close to the ocean, and is one of the city’s jewels if you are willing to wait to get a table since they do not take reservations.

The list goes on and on. There are probably a few new ones opening as I write this letter! Restaurants are a tough business and to survive for a long time and still draw loyal customers is a very high achievement. (I am proud that our company—Pacific Bay Financial, which has been in business since 1985, is also in the same league.)

What makes Zuni Café so special is that they stick to the basics: good ingredients, a good diverse menu, very good chefs, well-trained employees (waiters, bartenders, and service personnel), systems and of course—the management.

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But what the mortgage industry can really learn from Zuni Café is their speed of execution. On our most recent time there, we were seated in front of the kitchen and watched the action. The kitchen staff worked with such speed and precision. Everyone moved very fast, sometimes running with one goal in mind—to serve the customers.
Ugur Tartuk worked by the stove preparing the famous chicken for two and my fish order, and could work at every kitchen station. Meanwhile, Ken Turner conducted the food distribution process. Thanks to him, we got our orders in the shortest possible time.
I looked around and did not notice any regulators, who would taste every dish before it was served. And no one sends a customer’s iPhone over a hundred pages of disclosures, claiming that the food they are about to eat can cause an increase in weight and the wine they are going to drink can make them drunk. Such things are the customer’s choice; therefore, please do not sue the restaurant nor the rest of the world, if this happens. Regretfully, this portrayal is what is going on in the mortgage business.
And because the regulators enforce “financial protection” without any regards to the customers’ real needs, the mortgage process has become very tedious and slow.
I doubt if the mortgage industry will adopt the good service practice offered by Zuni Café and other good restaurants soon. Well at least after a stressful and tiring work day, we can enjoy a good meal with friends.
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Adriane Harrison, who conducts the restaurant’s traffic, always greets you with a smile.

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Gilbert Pilgrim, the owner, in a blissful moment.

P.S.

I decided to write this story on the spur of the moment while dining in Zuni Café a few weeks ago. The part-owner, Gilbert Pilgrim (who is a very good chef), was dining there as well, and I asked his permission to take some photos with my iPhone. I wish I could photograph everyone who always serves us with a smile. But meanwhile, enjoy some of the images.

The next time you have difficulty to make a reservation, tell them that you are Manny’s friend. If this will not work, call me, and I will use my connections.

P.P.S
Some of my clients are choosing a loan fixed for 7 years with the interest rate 3.375%, which significantly improves their cash flow. What are you waiting for?

Do not keep me as a secret.


 SMILE AND PLEASE SHARE IT WITH A FRIEND


Best Wishes,

Manny<br />
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