Who is your typical customer and what questions do they typically have?
I have worked with many 1st time home buyers as well as families looking to move into a larger home. Also clients preparing for retirement and looking to downsize. Common questions are:
How much can I afford?
Do I have to have 20% for a down payment?
What is PMI and will I need it?
What if I find a house that needs renovating?
What specific steps do you use to help your customers find the best home loan for them?
When speaking with a client about a mortgage, it's my job to find a loan that best fits their needs. I specialize in Conventional, FHA, VA, & Jumbo loans. I can also assist with renovation loans, both FHA & conventional. Finding out how much the borrower has to put down, is one of the many questions I have to ask to find out what is best for them. For example, if a client has excellent credit, but would like to put less than 20% down, a conventional mortgage with Private mortgage insurance may be a good fit.
What are the top 3 misconceptions people have about the home loan process?
Pre- Approvals are not that important.
- It's important to know what you can afford and it's important to a seller that they are accepting a solid offer.
30 year fixed mortgages are always the way to go.
- There are many different products that tend to all different buyers.
You need a 20% down payment.
- You can buy a home with as little as 3%- 3.5% down in some loan scenarios.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
My website is a great place to learn more about the mortgage process. Please click the knowledge center tab.
What provides you with the most satisfaction in your job as a Loan Officer?
I love helping people. Buying a home is a huge deal and the process can be overwhelming if you do not have a proactive loan officer assisting you. I take pride in the technology and expertise my team & I have to offer to keep the stress out of mortgage lending.
Tell us something that makes you unique or something wacky, yet interesting about you?
I have a love for country music, concerts, and line dancing. Although having 3 kids doesn't allow for me to have the fun I used to, I still really have a passion for country music. I have zero talent when it comes to music but my daughter seems to have inherited the talent I lack. I really enjoy listening to her sing, play guitar or play keyboard. She's a natural.