How long have you been in the mortgage business and what inspired you to get into it?
I was fortunate to land a summer internship at a major bank working in their Community Lending and Compliance Department. After a summer of data entry, making copies, filing and running errands, I was asked to come aboard full time as a processor. The position provided me some practical work experience, but more importantly, it provided me the fundamental basis that would be a springboard into a loan origination role.
Who is your typical customer and what questions do they typically have?
My typical customer is a first-time home buyer who's feeling a range of emotions. The most common question is: "Do I even qualify for a home loan and how much would my payment be?" Borrowers are often surprised at how easily the qualifying process is and the availability of down payment assistance programs.
What specific steps do you use to help your customers find the best home loan for them?
Listening is imperative. Not all borrower situations are the same and not all borrower concerns are the same. By lending an attentive ear we can uncover their end goal and identify suitable mortgage options.
What advice would you give new or first time home buyers?
Get pre-qualified. Let’s figure out how much you qualify for and what payment is within your budget. Be as equally content and comfortable with your mortgage as you are with the property you purchase.
What can borrowers do to ensure a smooth mortgage underwriting process?
The mortgage process isn't as difficult as most might think. As a borrower your participation is key, so be engaged and ask a lot of questions. Be sure to provide all the necessary documentation in a timely manner. Most importantly, don’t stress. Enjoy the experience and enjoy homeownership.
What provides you with the most satisfaction in your job as a Loan Officer?
Closing. The moment the keys are handed the homebuyer. Although I enjoy the work in between (taking an application from start to close), closing is the most gratifying - It's the culmination of the customers efforts.
Tell us something that makes you unique or something wacky, yet interesting about you?
I was a seminarian and on the doorsteps of priesthood. Although I didn't pursue the vocation of priesthood seriously, I did attend a high school seminary. Some say I missed my calling - I say, I was called to shepherd homeowners.