How long have you been in the mortgage business and what inspired you to get into it?
15 years. I enjoy working with people and teaching them how to build wealth and save money.
Who is your typical customer and what questions do they typically have?
My typical customer is just about anyone. I deal with first time buyers, investors, high end luxury homes, reverse mortgage clients, move up and move down clients.
What specific steps do you use to help your customers find the best home loan for them?
I analyze their situation, educate them about the process and market trends, make recommendations, and shop the market place for the best execution.
What advice would you give new or first time home buyers?
Expect to need 2 years of steady employment before qualifying. Also expect that your max mortgage will be no more than 3 times your annual gross salary (i.e., you make $30,000 per year, you qualify for up to $90,000 mortgage). Last, you need good credit - no delinquencies in the last two years, no bankruptcies, etc.
What can borrowers do to ensure a smooth mortgage underwriting process?
In order for buyers to ensure a smooth mortgage process they should provide all the supporting documents they need upfront. This include income, asset statements, letters of explanation, sales contracts, mortgage statements etc.
What provides you with the most satisfaction in your job as a Loan Officer?
Helping people get their dream home and save money.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I am available 7 days a week. But when not working I enjoy traveling, skiing, biking, hiking and spending time with my family.