Who is your typical customer and what questions do they typically have?
My customer base is split between working with younger "Millennial" borrowers who may be buying their first house or their second home and then also with lots of affluent borrowers who may own their own business or at least have a long established successful career. I work with lots of clients who are in the real estate or finance industry also, because they are easy to relate to and also because I understand their financial situation very well. My goal is to help the clients understand the loan process and be so happy and comfortable with the process that in the end I have a client for life and a friend also!
What specific steps do you use to help your customers find the best home loan for them?
Taking a look at the clients long term goals is important. Will they be upgrading to a larger house in the next 5-10 years, are they going to be down sizing in the next 5-10 years. Also I like to make sure clients know that while paying down their mortgage is important, they also need to be saving monthly around the amount they are contributing to principle. If someone thinks they need a 10 or 15 year amortization, I want to make sure that with that higher payment they are still planning on contributing not only to retirement savings but also for short term savings for emergency and other durable good purchases.
What are the top 3 misconceptions people have about the home loan process?
People that witnessed the financial crisis first hand need to realize that the industry has slowly moved away from the strict underwriting criteria of the 2008-2015 years. We have not swung the pendulum too far but things are easier than they were then. We still have tight regulation to keep lenders honest but lending guidelines are somewhat relaxed now compared to during and right after the financial crisis.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
Communication with your lender is key. If you feel challenged by something requested or part of the process, please bring that up to your mortgage lender. Often times there just may be a lack of communication causing a roadblock in understanding the process.
What provides you with the most satisfaction in your job as a Loan Officer?
I love it when I can solve an issue another loan officer or underwriter could not work around. My job is to close on time and accurately, but that should be a given with any lender. My true role as a top tier loan officer is to foresee potential obstacles before they become problems. Working with me ensures you will have someone looking ahead down the process to ensure we cover any pitfalls early. I run toward a problem instead of away from it.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
In my spare time I love to listen to music and attend concerts of my favorite bands such as Dead & Company, Phish, Widespread Panic, and pretty much anyone still playing that was part of the "classic rock" era.
Tell us something that makes you unique or something wacky, yet interesting about you?
I was fortunate to study abroad during college and was able to travel all over Spain and Portugal. While there I was also able to fly out to visit England, Italy, and France. My father says that I grew more in those 6 months than any other time in my life. It was a real blessing.