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Unit 3 : Lesson
2: How to shop for a loan
Grammar review 
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In a direct quotation (direct
speech), we give the words of the speaker exactly
as they are spoken. Quotation marks are necessary
with direct speech.
With reported speech (indirect
speech), we can report what someone says. In
this case, quotation marks are not necessary. If the
reporting word (said) is in the past, the verb
from the actual speech will usually be in a past form.
Examples: The mortgage
lender said, “The interest rate will
stay the same.”
The mortgage lender said
that the interest rate would stay the same.
Note: The word that is optional
after said in reported speech.
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Change the statements below to reported
speech.
1. The real estate agent said, “The
mortgage department at Heartland Bank will help you.”
2. The house sellers said, “We can
repair the roof on the house.”
3. The house buyers said, “We will
offer less than the asking price.”
4. The home inspector said, “Everything
looks good.”
5. The mortgage lender said, “You
will have 30 years to repay the loan.”
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