Who is your typical customer and what questions do they typically have?
Even during times of heavy refinance volume, more than 80% of my business involves the purchase of a home. My typical customer appreciates the great rates and service I provide as they search for, find, and purchase their next home. Most of their questions revolve around expense, timelines, execution, and "what happens next."
What specific steps do you use to help your customers find the best home loan for them?
I ask questions, such as what their goals may be, how long they plan to stay in the home, family size, what's most/least important to them, and, most importantly, what is affordable relative to their budget.
What advice would you give new or first time home buyers?
I would advise first time buyers to surround themselves with the best professionals possible and then trust them to get the job done. Your choice in mortgage professional can really be the difference between a smooth process and something other than "smooth." A good real estate agent acts and coordinates on your behalf from start to finish. Your home inspector should be knowledgeable and thorough; though never an alarmist. And, I always suggest a client be represented by a local real estate attorney to ensure their interests are protected from a legal standpoint.
What can borrowers do to insure a smooth mortgage underwriting process?
A client really needs to ensure they complete two tasks when they apply for a loan and want as smooth a process as possible. First, you need to submit to the process laid out by your mortgage professional and team. This means following the instructions and time frame put in place at time of application. The second piece is make sure you are accurate with the information you share. Ensure you are certain of your prior two years of address and work history. Double check the earnings you disclose to your mortgage originator and make sure you mention anything "out of the ordinary" about your present profile.
What provides you with the most satisfaction in your job as a Loan Officer?
I LOVE receiving calls and emails from clients after their closing. They are happy, relieved, and excited all at once.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I have a young, large family. My wife Cheryl, and I, have three beautiful children. I enjoy watching them excel in sport and dance, and also look forward to coaching baseball for my childrens' teams each Spring. In the summer, we enjoy camping and spending time outdoors as a family.
Tell us something that makes you unique or something wacky, yet interesting about you?
Along with being a mortgage professional, I also love to fish and then barbecue my catch for friends and family. Trout fear me.