What specific steps do you use to help your customers find the best home loan for them?
There is only one way to find your dream home and that is to be 100% fully pre-approved up front and prior to your search. Step 2, go find your dream home with no stress.
How has the mortgage industry changed since you started, and what would you expect in the future?
When I started in 2002 all we did 90% refinances as the rates kept moving lower and lower. I have since changed to about 50/50 purchase/refinance and expect to be doing more and more purchases as this is the most satisfying part of my job, making their dreams (of home-ownership) come true.
What can borrowers do to ensure a smooth mortgage underwriting process?
Work with a highly referred loan officer with a track record of success (which is measured by thousands of happy clients). Do not search for the lowest rate on the internet, as Forrest Gump said, "You never know what your gonna get."
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Spending time with my family, and with God.
Tell us something that makes you unique or something wacky, yet interesting about you?
It has taken me 40 year to be able to pronounce peculiar. Not sure why but my wife definitely had fun laughing at me when I tried.