How long have you been in the mortgage business and what inspired you to get into it?
I entered the mortgage lending industry in 1997. I had an IT background and was looking to switch careers and get into Finance. I started as an intern with MSU and just loved what I was doing and decided to make it my career.
Who is your typical customer and what questions do they typically have?
First Time Homebuyers, Investors and clients who are looking to buy a fixer upper and in need of a renovation Loan to either Repair, Replace or Remodel.
What specific steps do you use to help your customers find the best home loan for them?
It is important to understand their needs and wants and then explain to them different products that they could qualify for and help them decide which one would be best for them.
How long have you been in the mortgage business? What awards have you won?
Since 1997. MVP, #1 Renovation Loan Officer, Top 1% Mortgage Originator, Best of Dallas, 100 Most Influential Mortgage Originator, Top Branch to name a few.
Tell us about a mortgage product that consumers may not be aware of?
Many buyers, sellers as well as realtors are not aware that they can purchase a home that needs repairs be it minor (cosmetic) or major (structural). FHA 203 (K) and HomeStyle® are loan options that they can use to roll in the cost of repairs and close on the house. They can borrow based on the increased value of their home as if the repairs were completed. Repairs are done after closing. It gives the buyer more inventory to choose from and sellers more flexibility to sell AS IS and not only to cash buyers.
What can borrowers do to ensure a smooth mortgage underwriting process?
Be honest and upfront of any challenges that they may have based on their credit, income or assets. Provide all paper work that the Loan Officer requests in a timely manner. Discuss with the Loan Officer of any changes that may occur during the loan process in terms of any additional debts or job related changes, to name a few. Communication is the key.
What provides you with the most satisfaction in your job as a Loan Officer?
Receiving testimonials. It is a testament to job well done. 95% of my business is based on referrals. When your customer and realtors are happy and you see the excitement and joy you brought to them it makes me feel blessed and thankful. Being part of their biggest purchase and helping them achieve their dream of homeownership is why I love my job as a Loan Officer.
Tell us something that makes you unique or something wacky, yet interesting about you?
I have a very dry sense of humor! I'm also very positive and think every problem has a solution. You just have to find it!