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 over 23 years and was inspired to enter the industry after my own experience of being a small investor for a number of years. I felt that the consumer would be better served if they were treated as I would like to have been treated when I was getting my own mortgages. Even today, after all of these years, my clients get the same level of service that I would demand for myself.
What advice would you give new or first time home buyers?
I would advise any new or first time homebuyer to first be prequalified for their mortgage in order to confirm all of their personal data that they will need for the mortgage is in order. To seek out this prequalification from a mortgage professional with experience and a wide variety of tools available to their client, and most of all, someone that has delivered as promised in the past to their family or friend referring them.
What part of the home loan process do customers find most difficult and how do you help them through it?
The support documentation is the biggest hurdle for borrowers today. I explain at the beginning of the process that when the multitudes of docs are requested it is no reflection on them and their credit worthiness, just the nature of the mortgage process today. Explain that if they approach the process with a bit of patience and sense of humor that the process will be a bit more tolerable.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Jacksonville, FL, and obtained a Bachelor of Science in Electrical Engineering from the University of Florida. Currently, I am an active member of Rotary Club of Boca Raton Sunrise. In my spare time I enjoy photography. I currently have two of my photos on display in a local community center and will have a show in the same center with 14+ of my photographs from the end of Aug. to the end of Sept. 2012.
Tell us something that makes you unique or something wacky, yet interesting about you?
I have a degree in electrical engineering and I worked as an engineer doing power distributions and controls. I left it all over 23 years ago to pursue what had been a hobby of helping people qualify themselves to get mortgages (which I did from the knowledge I had gained by getting my mortgages for my investment properties) into doing it as a profession.