How long have you been in the mortgage business? What awards have you won?
I have been in the residential mortgage business since 1992. When I first started, I was very young, only 21, and I soon learned that I would have to prove myself through my knowledge of the business. I made strong connections with my clients and quickly
Tell us about a mortgage product that consumers may not be aware of?
People assume that it's difficult to obtain mortgage financing these days. I do not agree. Is it different than it was 10 years ago? Yes. Given the housing market over the past 5 years, the mortgage industry has shifted closer to it's original underwriting guidelines. Employment, Down Payment, Credit Scores and Income plays more of a roll when getting approved than in years past. A buyer can still have as little as 3.5% down and Credit Scores can be as low as 640. Its never been a better time to purchase a home.
What can borrowers do to ensure a smooth mortgage underwriting process?
To insure a smooth mortgage process it begins with getting Pre-Approved. Before you start your house hunt let's confront all of your questions and concern so you're shopping in confidence. I will collect all the documents needed for your approval as if you had actually purchased a home. This way your loan is being reviewed up front so we know what to expect when the real house comes along.
What provides you with the most satisfaction in your job as a Loan Officer?
My goal in the mortgage business is to create a Client For Life. I do that by providing the best experience a client could have while making, possibly, the biggest investment of their life. I feel I've been a success if that client refers me to a friend, co-worker, or family member.
Tell us something that makes you unique or something wacky, yet interesting about you?
I am a triathlete. I have qualified for and competed in the Ironman World Championship in Kona, Hawaii. As an athlete, I am able to bring a determined mental focus into my work.