What specific steps do you use to help your customers find the best home loan for them?
Listening to my clients is first and foremost. Sometimes a new client will ask me for a 30 year fixed, but I like to learn about their goals. How long they expect to live in the property so I am outlining today's best option and potential future options
How has the mortgage industry changed since you started, and what would you expect in the future?
The mortgage industry is constantly changing, but more importantly the housing market in San Francisco is astronomical. A 1 bedroom apartment is now on average a whopping $3770 per month according to Rent Jungle stats for February 2016. Although rents and housing prices may ease, obtaining a mortgage may be easier than finding a rental. Please ask me how.
What part of the home loan process do customers find most difficult and how do you help them through it?
Each home buyer is an individual. Buyers don't really know behind the scenes the complexity of pricing loans for various Fico scores, down payment and property types. First step in every loan is understanding the buyers goals, then educating them on the various mortgage options, escrow process and costs associated with the loan. I help demystify the process so every client is confident when they go to the signing table.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
As a paddler in an Alameda Dragon Boat team, I've learned how 18 paddlers can win races by working together. Sometimes it's longer harder strides that win over faster pace. Closing mortgages requires team work to make the dream work!
Tell us something that makes you unique or something wacky, yet interesting about you?
I love to ride my bike. Commuting from Oakland to San Francisco and back on bike allows me to be on the streets to see the changes in both cities. Riding my bike to the farmer's market is a weekly treat. If I miss Spash Pad park on Saturday, I might be at Jack London on Sunday