How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage business for 13 years, I have worked in banks as well as brokerage firms. I became a mortgage banker to help guide people to buy their dream homes. They help people decide what kind of mortgages to select and assist them in filling loan applications. Mortgage bankers decide if their prospective borrowers pose good lending risks or not. Decisions are made after verification of the seeker’s credit scores and employment status. Mortgage bankers play extremely important roles in making funds available for loans through various federal government programs and are also responsible for determining the creditworthiness of a client.
What advice would you give new or first time home buyers?
I would say choose a knowledgeable Realtor that works with a good lender that can go over the many different programs that is available to them. See what works for best for your budget and understand how much a month you can afford.
What can borrowers do to ensure a smooth mortgage underwriting process?
The best thing a borrower can do is get everything that is asked from them to the mortgage lender first thing. Let me go over all the documents and to determine if it is ok to send to the underwriter. It is good to go ahead have the rate locked and have your insurance quote ready as well!
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Elizabeth City, NC. My high school experience was unique, I went to Hargrave Military Academy in Chatham VA. There I worked my way up to be the captain of Bravo company. I was in charge of 100 students accounting for their daily activates while also playing on the soccer team and holding a 4.0 GPA. It was quite interesting! After that my love for the water took me to UNCW. A college on the ocean where I met my wife with whom I have 5 year old son Waylon with.
Tell us something that makes you unique or something wacky, yet interesting about you?
I love sports! I can answer most any question when asked about basketball and football!