What specific steps do you use to help your customers find the best home loan for them?
I do not believe in the "one-size fits all" approach to securing a home loan and I work hard to tailor my services to the needs and goals of each borrower.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
A previous client was turned down by a few banks due to Debt-to-Income ratios exceeding allowable limits. After reviewing the borrower's credit/income/assets in more detail, I came up with a solution for the borrower to bring additional funds to the closing to have these accounts paid down and excluded from the DTI allowing the borrower to qualify for home purchase.
What can borrowers do to ensure a smooth mortgage underwriting process?
Keep it simple. Submit all your documents in timely fashion, and consult with Loan Officer prior to making any changes regarding your credit, income/employment or assets that could affect your loan approval.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Street & music festivals during the summer... rooting for the Bears, Blackhawks & Cubs... bike riding along Lake Michigan... indulging with a Lou Malnati's Deep Dish Pizza afterward; I love my city!
Tell us something that makes you unique or something wacky, yet interesting about you?
I'm left handed, but swing a golf club right handed