Who is your typical customer and what questions do they typically have?
Every person I meet is unique and different in so many ways, whether that is personality, finances, or in their housing needs. Being a lover of people, my approach is to walk alongside each customer as a friend and truly hold their hand through each phase of the lending process.
What specific steps do you use to help your customers find the best home loan for them?
I have a wide array of experience and knowledge in the guidelines for Conventional, Jumbo, FHA, VA, Portfolio, USDA and Down Payment Assistant programs. Whether a client applies in person, online, or over the phone I will go through the client's financial picture in detail and find the best program, product and rate that is best suited toward their short and long-term needs. My preference is to meet clients in person as this puts a face to a name but also establishes a trust and bond that are very important in a mortgage transaction.
What are the top 3 misconceptions people have about the home loan process?
Many people dread the mortgage process cause is feels like an uphill battle, it can be time consuming and expensive. The truth is that it can be when you work with the wrong loan officer or company. Most of my loans close in under 30 days, many receive appraisal waivers and are closed with low or NO Closing Costs. Discover the difference that experience and technology can make, and I’ll show you what a mortgage transaction should look like.
Many people think that past credit issues, bankruptcies, foreclosures, job changes, etc…will prevent them from buying a home. While this can hinder or prevent a successful mortgage transaction, it doesn’t mean it is impossible. I am not afraid to do the hard work and research to get a loan closed.
Many think they don’t have enough money saved to buy a home because they haven’t saved a 20% down payment. The truth is, there are loan products where all you may need is a $1,000 down to own your own home. A good benchmark savings goal for a home purchase should be 3-5% of the purchase price, although gifts from family and 401K loans are also options.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
You’re already in the right place! My website provides a multitude of resources to help answer preliminary mortgage questions. However, nothing replaces picking up the phone and talking through a client's financial situation. If that isn’t your thing, you can learn a lot and make it through much of the loan approval process by applying with my DIGITAL MORTGAGE link in the comfort of your home and without pickup up the phone. I dare you to try it!
What provides you with the most satisfaction in your job as a Loan Officer?
One of my greatest joys is meeting new people and making new friendships. The smiles and thank yous at the closing table are truly rewarding to me. Ultimately, the phone call I receive from a new client via a referral from a past client, friend or family member is the greatest compliment of service and business done right.