What specific steps do you use to help your customers find the best home loan for them?
I’m a firm believer in owning a home, not having a home own you, so the first thing I do with new clients is discuss their lifestyle, home ownership goals and other long-term financial goals. Next, I look at their credit report and discuss whether there are any accounts, or negative items they don’t know about and may not be accurate or whether working on their FICO score for a month or two might be advantageous (keeping in mind how mortgage rates and the local housing market are trending). Utilizing that information, plus other financial data such as paystubs and tax returns, I determine the best loan options for my clients and provide them with scenarios for each option so they can do a dollar and cents comparison and choose the path that best furthers their financial goals.
What advice would you give new or first time home buyers?
Start working with your lender early! There is nothing worse than finding your dream home and discovering you don’t have quite enough for a down payment and closing costs or you don’t qualify for the loan you want because of poor credit. Starting the preapproval process with a good lender six months or even a year before you get serious about home shopping allows any issues or problems to be discovered and worked on so when you do find that perfect home, you can put your best offer forward.
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?
Zillow is my favorite app for seeing what’s on the market. You can set search parameters and receive daily or weekly updates on new homes or open houses within your search area, or walk/drive to your dream street, open the app and get all the details on homes for sale nearby. When dreaming turns to shopping, the Guaranteed Rate app (of course) is a fast way to get your info over to me and the preapproval process started.
Summary of where you grew up: family, affiliations, college, high school, etc.
I was born and raised in Southern California, attending Newport Harbor High, UC Santa Barbara and Loyola Law School in Los Angeles. I was lured to Seattle in 2007 and fell in love with the vibrant literary community, always innovating restaurant scene, the Huskies and the Seahawks (sorry Mariners, my baseball allegiance is still to the Angels – the Anaheim Angels). After nearly 10 years, 67 degrees finally feels balmy.
Tell us something that makes you unique or something wacky, yet interesting about you?
In law school, tax classes were my sweet spot and yet I became a litigator, not a tax attorney. I also have a hidden Martha Stewart streak that never fails to surprise new friends.