What specific steps do you use to help your customers find the best home loan for them?
Conversation. I have found by asking questions about your goals, timelines and individual situation we can collaborate on the program(s) that provide the best right option for you.
What are the top 3 misconceptions people have about the home loan process?
The most common misconception is that a High Credit Score and large Savings account will offset low income. The Ability To Repay guideline focuses on sustainable qualifying income. The second misconception is that if a Buyer and Seller agree on the Sales Price of a home then an Appraisal Report will support that price. The Appraisal Report will validate the market value and it may be lower than the agreed upon Sales Price. Another misconception I run across is you need 20% down payment to purchase a home. There are programs available that may require as little as 0%, 3% and 5% down payment.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Time with the Grandkids is irreplaceable. Hockey is the hobby. Playing and officiating Beer League Ice Hockey has been a lifelong activity.