Mrs. Claus and I were very happy to see your letter. We just knew you’d be on the Nice list again this year. We were so glad you thought to include us in your program. It really is very kind of you.
However, Mrs. Claus and I are not first-time homebuyers. We already own our home (and a considerable amount of the surrounding land), and have for hundreds of years. While we do have quite a lot of elves and reindeer in our community (not to mention the occasional snowman), real estate is generally not an issue. The elves are quite industrious, and generally build their own homes or expand existing dwellings to meet their needs. They’re also quite willing to pitch in for their friends and neighbors (which is wonderful, since reindeer carpentry leaves much to be desired).
So, while your concern is greatly appreciated, I don’t believe that the North Pole has any need for special financing or other real estate services at this time. Keep up the good work, and have a very merry Christmas!
Lots of love from