How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage industry for 15 years. I had just come off a full time career as a PGA golf professional. Sweeping industry changes in the PGA made the profession a less desirable career path. My experience in helping people and problem solving through my PGA experiences made the transition to Guaranteed Rate rewarding.
What specific steps do you use to help your customers find the best home loan for them?
I ask a lot of questions and do my best to educate my customers about the mortgage process and options they have available. These discussions ensure that my clients are getting the best mortgage for their needs.
What advice would you give new or first time home buyers?
I typically advise my first time buyers to not totally deplete there savings for the down payment. There inevitably are expenses that occur with home ownership and they need to have some reserves to handle any issues. I also advise them to create a household budget for their mortgage, tax and insurance payments. Even though they may qualify for a higher payment, having a responsible housing payment relieves the stress of handling their personal debt.
How has the mortgage industry changed since you started, and what would you expect in the future?
The beginning of my mortgage career brought with it the days of No Doc/Stated Income and Asset loans, 100% financing and scenarios that didn\'t even require an appraisal. Enter current day, and for obvious reasons, loan approvals require full disclosure and rigorous underwriting scrutiny. I really don\'t see much changing in the way loan approvals any time in the near future. The entire real estate and mortgage industries account for so much of our nation\'s economy that the necessity for quality, qualified home ownership is a must.
What can borrowers do to ensure a smooth mortgage underwriting process?
Full initial disclosure. If borrowers omit any information about their personal or professional situation, it WILL come out through the underwriting process. Depending on the issue this could cause the loan not to close. At the very least, it will create the need for additional documentation, longer underwriting turn times and possible additional costs
What provides you with the most satisfaction in your job as a Loan Officer?
The satisfaction of delivering unparalled service to my clients in navigating them through the largest single purchase that most of them will make in their lifetime.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I still enjoy competing in local PGA golf tournaments and teaching at a local club. I have two sons who are very involved in the local sports organizations of which we very much enjoy following their seasons. Outside of organized sports, we enjoy water skiing, wake boarding, snow boarding, and casual family golf.
Tell us something that makes you unique or something wacky, yet interesting about you?
During one of my PGA golf professional jobs I had the chance to spend quite a bit of time in the kitchen of the country club. The chef and I became good friends and he took me under his wing to teach me how to cook. He happened to be a former culinary Olympic chef and taught me things I would probably have never been able to figure out otherwise. I still enjoying cooking and my mother tells me I am really good.