Who is your typical customer and what questions do they typically have?
My "typical" customers aren't typical. Most of my customers are repeat customers or the children or family members of previous clients. Its fun to hear the stories and updates of their lives.
Each customer has their own special set of circumstances, wants and needs. And those circumstances and needs have to be addressed for them to make the best decision and have a great experience. From first time home buyers; to move up buyers; to those down sizing; to investors, each homebuyer(s) has a unique situation and unique questions. My job is to answer (or find out the answer) to their questions so they can make best possible decisions. I want all their questions to be answered. The only "dumb" question is the one they don't ask.
What specific steps do you use to help your customers find the best home loan for them?
I ask lots of questions about their life priorities, financial, job and family goals both short and long term. I ask them to tell me where they are and where they want to go, so we can develop the best strategies. I want to hear where they are and where they're going so we can find the best options.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
I am a big fan of many of the online and in person first time home buyer courses. I think they benefit every first time home buyer and most all home owners in general. They are worth the 3 hours and $50-100 they sometimes cost. Everyone should take at least one in their life and the earlier the better.
What provides you with the most satisfaction in your job as a Loan Officer?
I love to hear that I was able to accomplish what other mortgage companies had said didn't exist or to hear that a solution we decided on many years ago worked better than we'd hoped.