How long have you been in the mortgage business and what inspired you to get into it?
I have been a mortgage loan officer for 22 years helping people purchase and refinance their homes. I was inspired to get in to the industry by seeing how gratifying it was to help people with their mortgage lending needs. Whether they are a first time home buyer or building their dream home, I really enjoy finding mortgage solutions to help my clients.
Who is your typical customer and what questions do they typically have?
I help clients of all types finance and refinance their homes. I help everyone from first time home buyers looking to buy their first home to move up buyers building their dream home. Military veterans looking for VA financing or people looking to just get the best interest rate and service when refinancing.
What advice would you give new or first time home buyers?
Purchasing and financing your first home can be confusing and stressful. Be sure you are working with a professional that will be there for you when you truly need them to help you navigate the home mortgage process.
How has the mortgage industry changed since you started, and what would you expect in the future?
There was a period in the mortgage industry when banks would make exceptions in common sense situations to help clients obtain a mortgage. These days are long gone. Now every situation must fit in a box. The question now is what financial institution will the loan fit best with. So working with a company that works with a large number of financial institutions has advantages in today\'s market place.
What part of the home loan process do customers find most difficult and how do you help them through it?
The lending process in general is more rigorous these days than it has been in years past. I try to explain this and prepare my clients for the amount of documentation and scrutiny that is required to secure a mortgage these days. It is important that we get complete information back and in a timely manner to help expedite the underwriting process.
What can borrowers do to ensure a smooth mortgage underwriting process?
Making sure that you provide everything that is requested of you from your lender as promptly as possible during the loan process is vital to your mortgage loan approval and closing going smoothly.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
When I am not working I really enjoy spending time with my beautiful wife Allison and my two children Madi and Luke.
Tell us something that makes you unique or something wacky, yet interesting about you?
I really enjoy spending time watching cartoons with my kids.