How long have you been in the mortgage business and what inspired you to get into it?
I’ve been in the mortgage business for 8 years now. I find the mortgage industry appealing in that it allows me to utilize my expertise to help people succeed in what is often the biggest financial transaction of their lives. Every transaction provides a unique puzzle to solve and you honestly never stop learning in this business. I find gratification in helping my customers navigate a constantly evolving industry. It’s also extremely rewarding to see the excitement on my customer’s faces when they’re first handed the keys to their new home or complete the refi that positively impacted their family’s financial picture.
Who is your typical customer and what questions do they typically have?
I would describe my typical customer as falling into two buckets.
Bucket 1 includes first-time homebuyers that really benefit from a low pressure, non-condescending education of the home buying/financing process in a way that makes sense and doesn’t overwhelm. My goal with these people is always to provide concise, well researched options that accurately target my customers’ unique situation. I want my customers to walk away with the info they need make informed and confident home financing decisions that excite them.
Bucket 2 includes “move-up” customers that need creative solutions to make that dream home a reality. As anyone who’s home shopped in coastal Southern California knows, this task often involves creative structuring and Jumbo financing. It also involves a thorough expertise in atypical income sources outside of your standard W2 wage earner. I love it when customers come to me thinking they’ll never be able to qualify for the home of their dreams and I’m able to put together a solution they didn’t know existed.
What specific steps do you use to help your customers find the best home loan for them?
The first step for me is always an effective consultation to learn everything I can about my customer motivations, aspirations, and in some cases, pain points. These days with the availability of information on the internet, it’s easy to reduce the mortgage process down to a commodity and the loan originator to an order taker. The reality is that obtaining a mortgage can be complicated and a home purchase is often the biggest financial decision of your life. You don’t want to trust this process in the hands of just anyone. An effective and detailed consultation allows me to build trust with my customers through transparent and confident guidance through the process.
Tell us about a mortgage product that consumers may not be aware of?
One product that’s evolving, specifically for the appreciating markets of Southern CA, is the jumbo loan. Most people think the big banks are the best place to go for jumbo financing, but that’s no longer true. We offer unique jumbo options that help more people qualify for more expensive homes. We can also help with down payment enhancements that help customers in competitive markets increase their purchasing power into price ranges they may have thought to be unattainable.
What can borrowers do to ensure a smooth mortgage underwriting process?
The biggest thing a customer can do to ensure a smooth process is to commit to a lender and then fully engage in the process. This involves trusting that your lender is not going to ask for documentation we don’t need to progress the loan and making sure to submit complete documentation in a timely manner when requested. Submitting partial or incomplete documentation not only delays the process but can lead to an “unpeeling of the onion” effect that causes surprises late in the game.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
When I’m not working I appreciate spending time with my wife and I love to surf. A sunny day at the beach doing both is ideal. We love the outdoors in general and enjoy exploring national and state parks. We also thoroughly enjoy travelling to exotic locations and sampling all the local flavors we can find.
Tell us something that makes you unique or something wacky, yet interesting about you?
When I’m not working I spend as much time as possible with my wife Danielle and my son Jaxton. I also love spending time in the outdoors, surfing, and snowboarding.