How long have you been in the mortgage business and what inspired you to get into it?
This will be my 29th year in the industry. As much as the industry has changed over the past 10 years or so, Our clients/borrowers/friends needs have not. Borrowers today and always want nothing more than to be treated with respect, be fully informed of the products and processes without being rushed, given options and told what they can expect from the application to the closing and beyond. People would much rather do business with their friends; it has always been my goal in business to develop friendships instead of just customers.
What advice would you give new or first time home buyers?
The advice that I always enjoy giving to first time home buyers is: Take your time! Many young borrowers today are so excited about simply buying their first home that they sometimes will “settle” for something that “will do for now” instead of really taking the time to evaluate whet their needs and wants are and then continuing to look for the right home. I have had first time buyers that have purchased the 1st or second property that they saw because they were both better than anything that they had lived in prior. I have also had 1st time buyers that took the time to discuss and agree on what was important: room size, closets, kitchen storage, yard, neighborhood, etc… and then looked at 50 to 60 properties before deciding on one.
What part of the home loan process do customers find most difficult and how do you help them through it?
The part of the home loan process that customers find most difficult are the part of the process that they don’t completely understand or the part of the process that they have not been told what to expect. When I take the time to completely educate my borrowers on the process, what my role is, what they can expect from our support staff (MC, LC) and exactly what I expect from them, the process will hold no surprises.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I enjoy anything and everything outdoors. I have 6 children and we all are very active from baseball, softball, soccer, tennis, golf and fishing and camping in the summer to hunting, hiking, skiing and ice fishing in the winter.
When I am not participating in one of these activities, I very much enjoy coaching 10 to 15 year old kids in baseball, softball and golf.