Who is your typical customer and what questions do they typically have?
My typical customer is looking for a mortgage to purchase or refinance residential property. I work with first-time buyers, investors, and move-up buyers. Having your mortgage approved before you start shopping for a home to buy is the most important step you can make.
What specific steps do you use to help your customers find the best home loan for them?
To find the right home that suits you, I first take the time to listen to your plans and goals you have for the real estate you purchase or refinance. I watch the markets closely and look for the opportunity to capture a great rate and terms available in the marketplace.
What are the top 3 misconceptions people have about the home loan process?
The top 3 misconceptions people have about the home loan process are: 1. Think they need 20% down - we have loans with as little as 3% down payment options; 2. Think they need perfect credit - we have loan programs that allow low credit scores; and 3. Think they can't afford to buy - it is probably not as expensive as they think. You won't know what you can buy if you don't try.
What provides you with the most satisfaction in your job as a Loan Officer?
I love helping clients get a great mortgage and purchase price when they think it isn't possible. Solving problems is a very important part of my job. In every transaction there is always a point where my expertise is needed to help make a transaction close on time.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
In our spare time, my wife and I love the beach, walking our dog, and rescuing kittens - my wife volunteers at the Humane Society. I like working on the yard-- except for the grass (soon to be gone), hiking, golfing, and getting together with friends and relatives.
Tell us something that makes you unique or something wacky, yet interesting about you?
My parents came to the US from Germany in the early 50's through Ellis Island in NY. So, I'm first generation with dual citizenship. We always attend the Oktoberfest at the El Cajon German Club along with my 25 cousins in the San Diego area. A peanut butter and banana sandwich is my favorite snack.