Who is your typical customer and what questions do they typically have?
First time and move up buyers. What is your interest rate, how much do i need to earn to qualify and what is my cash to close.
Self-employed buyer. What is the interest rate and my total cash to close.
What specific steps do you use to help your customers find the best home loan for them?
a. Understand the first-time buyer and those customers who work in a non-professional trade
b. Understand sophisticated financial statements and tax returns
c. Understand how self-employed customers work. I have my own building company for 7 years. I am very sensitive to the cash flow needs of the self-employed borrower
What are the top 3 misconceptions people have about the home loan process?
a. Credit is not the most important factor in the approval process.
b. They think they need 20% down payment to purchase a home.
c. they think FHA financing is for first time home buyers only.
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, and a good Realtor
Are you active in any fundraising organizations? What goals and/or success have you helped them achieve?
Knights of Columbus Baltimore County
Board of Directors and Treasurer Fallston Commons
What provides you with the most satisfaction in your job as a Loan Officer?
a. Professionally, creating a successful home buying experience for everyone I work with.
b. Personally, giving myself to my family to help create success and happiness in their lives
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Certified Public Accountant, US Army Veteran, Golf
Tell us something that makes you unique or something wacky, yet interesting about you?
a. I was a union bricklayer in my youth. Once I was discharged from my 3-year service in the Army I used the GI Bill to get my college degree in accounting. I completed my entire college degree in 4 ½ years going only at night and working full time.