How long have you been in the mortgage business and what inspired you to get into it?
I started in the mortgage business in 1999. I Grew up in a real estate family and have been around the business since elementary school.
Who is your typical customer and what questions do they typically have?
All kinds of customers from first time buyers to high end jumbo clients.
What specific steps do you use to help your customers find the best home loan for them?
I find that the best way to service a client is to ask plenty of questions and really listen to the answers. Oftentimes you'll find a nugget of information that will really help you connect with a client and build a great relationship. The next most important thing is to stay truly educated about the bevy of loan programs available in order to be able to offer the very best program for each individual client. Some loan officers refuse to learn about programs that seem to be more work for them and thus miss out on being able to place the client with the program that fits them best.
What advice would you give new or first time home buyers?
The advice I give both new and repeat buyers about the financing part of home buying is that the costs are important but the service and experience is often more important. Saving a few hundred dollars is not worth a delayed closing or otherwise painful mortgage experience. Work with someone that has a lot of experience, is available to you 7 days per week and is a professional. If you are working with a great realtor, there is a reason that he/she is referring you to me. Trust their advice and expertise.
How has the mortgage industry changed since you started, and what would you expect in the future?
The loan officer must be much more knowledgeable and organized than when I started.
What part of the home loan process do customers find most difficult and how do you help them through it?
Understanding the why? Why does the lender want this or that? I tend to explain that to borrowers so they understand the rationale for some of the things they may be asked to provide.
What can borrowers do to ensure a smooth mortgage underwriting process?
The best way to insure a smooth process is for borrowers to make a strong effort to provide the exact documents we request as quickly as possible. We don't request any documents that we don't need. I have found that the buyers that are very proactive and responsive are approved much faster and with little to no stress involved. The clients that do not make the mortgage process a priority often have a less satisfying experience. In order to create a great experience I put a great focus on setting expectations with the client at the very beginning of the process.
What provides you with the most satisfaction in your job as a Loan Officer?
There is no greater reward than a heartfelt thank you from a grateful client whose dream of home ownership has become a reality. Clients for whom you work hard for are clients that refer you to others.
Tell us something that makes you unique or something wacky, yet interesting about you?
I am a huge NY Giants footbal fan and have not missed a game since 6th grade.