How long have you been in the mortgage business and what inspired you to get into it?
I’ve been in the industry for just short of 1 year. After 8 years of experience in sales/management environments where I was building someone else’s brand I wanted to get into an industry based solely and me and my ability to service the customer.
Who is your typical customer and what questions do they typically have?
No client is "typical" really, as every scenario is completely different. I've worked with first time home-buyers to people buying their 10th property or investment home. Regardless of buying experience, I take the time to answer any questions and guide buyers through their purchase. I prefer to review any and all questions as many times as is necessary to ensure that at closing, the buyers know what they're getting.
What specific steps do you use to help your customers find the best home loan for them?
After reviewing the application specifics, we'll meet in person or talk through specifics on the phone depending on what is best for the buyer. We'll identify short and long term goals with their finances, comfort level with payments and upfront costs, and needs for the home. From there I'll show and explain the different loan programs they can leverage and ultimately find the sweet spot that checks as many boxes as possible for their mortgage.
What advice would you give new or first time home buyers?
Take the time to get an organized list of the parts of the process you don’t understand so we can discuss those things early. Then as the process moves, expect me to be in communication with you regularly as I’ll be updating you weekly, or more often if the situation requires it. My goal is to make your home purchase simple, so know that the things I’m asking of you are significant to the achieving this goal.
What part of the home loan process do customers find most difficult and how do you help them through it?
All the documentation that we require of people always tends to be frustrating, but is a necessary component of the mortgage process. Depending on the specific scenario, we can need a lot of documentation to support the approval of the loan. Remember that as a loan officer, my job is tell your story to the underwriters who will approve the financing of the home purchase. Be up front, disclose anything that has impacted your financial history as early in the process as possible, so I can ensure that I you have enough time to get me the required documentation to support your story.
What are the top 3 misconceptions people have about the home loan process?
The largest misconception is affordability of upfront costs. Many people still think you need 20% down which simply isn't true. Next would be credit score requirements, as people are often shocked at how low some programs are willing to go. The last would be the significance of down payment and it's impact to monthly payment. It's interesting how often people scale back down payment amount when they realize that changes in their down payment amount may not affect their monthly payment as much as they expected.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
There are so many different loan programs and options out there, and scenarios can be so unique, that I really feel it's best to talk with a licensed loan officer. Most of us are extremely giving of our time and want to ensure comfort level of a buyer with the process. I'd rather educate someone on the basics to mortgage options from ground zero than have to debate if what they found on the internet was accurate.
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?
I am the Vice President of a local chapter of BNI and focus on helping the organization members grow their businesses by encouraging members to remain active, grow trusted relationships, and refer strong business opportunities.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Green Bay Wisconsin and was a graduate of Ashwaubenon High School. I attended college at the University of Wisconsin Eau Claire and graduated with a Bachelors in Business Management. I met my wife during our freshmen year of college and we have 2 children, 4 and 1.
What provides you with the most satisfaction in your job as a Loan Officer?
Seeing people get to closing who never thought it would be possible is awesome. Buying a house is a very emotional purchase, and a major goal for many Americans, and it's great being a part of making that dream come true.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Hands down; golfing. Spending time with my 2 kids and wife are extremely important to me as well. When I can golf with my family then we're really talking about a sweet spot!
Tell us something that makes you unique or something wacky, yet interesting about you?
I am a high-energy personality that loves people. I get pretty excited, and can be a high-volume individual, but I am energized by interaction with people and love seeing the positive impact that these interactions can bring in both business and non-business environments.