Who is your typical customer and what questions do they typically have?
One of the best things about this job is that there is no such thing as a "typical" customer. Everyone is so unique and I enjoy meeting and hearing about their specific goals & vision.
I love working with clients who ask a lot of questions. They should! Most people buy a home only a handful of times in their lifetime and rules & programs are constantly changing. I encourage an inquisitive client to ask away!
What are the top 3 misconceptions people have about the home loan process?
1) I love hearing "that wasn't so hard" at the end of the process. Most people have this idea that buying a home is grueling and combative. That is because so many other mortgage companies have terrible reputations for communication & efficiency. My team and I work WITH the client and together this makes for a smooth, happy process.
2) Some clients are told that shopping for the best mortgage rate will be a detriment to them. False. All buyers should obtain at least one other quote AND make sure that they are comparing apples to apples (specifically mortgage fees & rate). I am so confident in Guaranteed Rates pricing & rates that I want my client to know how good of a deal they are getting by checking with another company. Please shop!
3) Surprisingly, I still hear people assume that they need a large down payment to buy a home. This is just not true. There are multiple programs available anywhere from 0% - 5% down. Additionally, there are some City, State, County, & even National assistance programs that will provide financial assistance to homebuyers. We always review for these opportunities.
Tell us something that makes you unique or something wacky, yet interesting about you?
Outside of lending, I try to live a balanced life.
I love tapping into the arts by writing songs and playing music with a local band named Ashley Smith & The Random Occurrence.
I really enjoy traveling and consider language learning to be my "souvenir." I have become conversational in Spanish & German in my 30's through traveling.
I find it necessary to take time to give back. I have worked intensively with the non-profit charity Instruments 4 Life to help provide music lessons and instruments to underprivileged children in the area. We have given free lessons & instruments to deserving children at places such as The Joshua House, Children's Cancer Center, Redefining Refuge, Dream Center (Ybor), Prodigy After school programs, City of Tampa Park & Recs After school programs, Salvation Army, & more. It truly has become one of my favorite things.