What specific steps do you use to help your customers find the best home loan for them?
While no two borrowers are ever the same, I typically use three steps to help my customers find the best home loan available. The first step is to discuss the prospective borrower\'s current financial situation. The second step is to discuss their planned homeownership timeline. Lastly, I believe it is important to know your customers future financial needs, wants, and desires. By going through all three of these steps, I can quickly decide on a home loan that best fits their needs.
Tell us about a mortgage product that consumers may not be aware of?
Home Affordable Refinance Program is relatively new program that allows the streamline refinance of mortgages that are currently owned by Fannie Mae or Freddie Mac AND were started before May of 2009. The HARP program allows high Loan-to-Value borrowers to refinance into a lower rate with a streamlined process.
What can borrowers do to ensure a smooth mortgage underwriting process?
Be as honest and detailed as possible when giving information and documents. Be open when discussing current financial situation, income, employment, etc. By doing this, the underwriting process will be smoother, shorter, and you we will be able to close the loan sooner!
Summary of where you grew up: family, affiliations, college, high school, etc.
I was born in Summit, New Jersey but was raised overseas in both England and Australia. I moved back to the United States and attended New Trier High School in the north part of Chicago. From there, I studied Economics and played NCAA lacrosse at St. Lawrence University in upstate New York. I believe being raised in a variety of locations has allowed me to relate to all types of people and situations.
Tell us something that makes you unique or something wacky, yet interesting about you?
When I am not originating loans, I enjoy fly fishing trips, anything active, and cooking. I highly recommend my favorite two TV shows: Game of Thrones (HBO) and Shameless (Showtime). However, the most important things in my life are my family and friends. Thanks for your time!