How long have you been in the mortgage business? What awards have you won?
I have been in the mortgage business for 20 years. I’ve won several top producer awards in the Louisville market before switching over into a managerial role.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
A fixed rate mortgage is a great if you’re in a short-term situation and know you’ll have a reason to refinance your loan before you enter the adjustable phase. You get a lower rate upfront, however, you need to be aware that your rate has the possibility of increasing when you leave the fixed term.
What can borrowers do to insure a smooth mortgage underwriting process?
The best thing a borrower can do is to find a trusted mortgage professional. Once they have done that, ask questions, seek guidance if they are unsure of what they are being told, and be sure to respond the loan officer and processor in a timely manner when documents are requested. Be aware that documentation is being asked for to expedite the process and because its needed.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Boston and Pittsburgh. I attended Indiana University in Bloomington and came to Louisville shortly thereafter. I’ve been in Louisville for the past 20 years.
Tell us something that makes you unique or something wacky, yet interesting about you?
I was at Fenway Park for Carl Yastrzemski’s final home game.
Our Intuitive Loan Finder lets you sort by lowest monthly payment, lowest interest rate or the right loan term.