How long have you been in the mortgage business and what inspired you to get into it?
I started in the mortgage business in 2003.
Who is your typical customer and what questions do they typically have?
Everyone has questions, the secret is making sure they're being asked.
What specific steps do you use to help your customers find the best home loan for them?
Guaranteed Rate offers the best value in the industry. My responsibility is to take that value and make it the best mortgage for my client. The most important step in offering the best home loan for a client is identifying the borrower's priorities. This means you truly have to care about what the borrower is trying to accomplish. It's never just a "purchase", or "refinancing".
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
There is no way to give true pros and cons without knowing the client's goals. This is why you need a mortgage professional. We will help build a true pros and cons list based on your goals.
What advice would you give new or first time home buyers?
Do as much upfront home as you can. Find a professional you can trust, and enjoy working with. Preparing for your dream home can be the difference between getting it, or missing out.
Tell us about a mortgage product that consumers may not be aware of?
ARMs. These are amazing tools that help people manage their largest investment. A mortgage professional can help you build a pros and cons list to see if it's a fit for you.
How has the mortgage industry changed since you started, and what would you expect in the future?
Digital Mortgage: From paper applications, to faxes, to the World's First Digital Mortgage...It's amazing how much this industry has changed. I'm not sure what to expect in the future, but I know Guaranteed Rate will be leading the way.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
The #1 Mobile app for home buyers and house hunters, is Robert Baldwin's app powered by Guaranteed Rate. https://bnc.lt/GFnl/JRuQkYupJs . Live rates, Check payments , Pre-approvals in minutes, and 24/7 access to a me. #2 App: In Grand Rapids, GRAR.com(Grand Rapids Association of REALTORS) is an absolute must have. #3, Check if your local Association of REALTORS has a public property website, if not... grab zillow or trulia app.