Who is your typical customer and what questions do they typically have?
My clients are typically referrals and they are most concerned about the rate, the payments and can I afford this.
What specific steps do you use to help your customers find the best home loan for them?
I ask a lot of questions upfront and I "listen" to their answers. The loan is for them, not for me so I need to put them in the best product that suits their needs for the long and short term.
What are the top 3 misconceptions people have about the home loan process?
You can go stated income or use common sense
who cares what my tax returns say, I made money but wrote everything off
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
Google the mortgage process for dummies. learn the terms and the lingo. have a basic sense of math skills and about a budget. Don't buy a house thinking you will make more in the future and figure it out on how to pay in the short term. Don't go above your comfort level. Live comfortable, go on vacation and try not to eat Ramen Noodles because you cant handle all your payments.
What provides you with the most satisfaction in your job as a Loan Officer?
I love getting a thank you email or a great survey to say they were thrilled with me and the process and I love a referral.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I love cars and country music spending time with my kids and going to car auctions. My happy place is Scottsdale AZ and the most beautiful vacation was Cabo at El Pedregal. My favorite color is orange.
Tell us something that makes you unique or something wacky, yet interesting about you?
I am just good at my job. I don't wanna screw up so I listen, and I make sure that loan is gonna close so my pull through rate is very high. I treat my clients money as if it were my own.