Who is your typical customer and what questions do they typically have?
I work with mostly First Time Homebuyers because I am certified with the Florida Mortgage Bond program and have been on the Lending Consortium for Florida Housing Finance Corporation for several years.
What specific steps do you use to help your customers find the best home loan for them?
I take a complete application and work with the borrower to show them how the math works in mortgage. Often times borrowers do not understand how credit works or what income we can use for a mortgage application.
What are the top 3 misconceptions people have about the home loan process?
Many people think they need 20% down to buy a home. They don't know about the down payment assistance programs we have available. People who have not applied for a mortgage in a long time have to be taught the new way mortgages have to be done today in terms of supplying a lot more documentation than what they were used to.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
Borrowers should get preapproved before they start house-hunting so they know what they can and can't do. This is also what realtors want to see - a buyer who is preapproved and understands the process of buying a home and has the support and guidance from their lender.
What provides you with the most satisfaction in your job as a Loan Officer?
I am very happy when I can help a deserving family own their own home and get out of the rental market. I also like working with veterans and retirees moving to Florida.
Tell us something that makes you unique or something wacky, yet interesting about you?
I was a competitive swimmer as a young girl and I qualified for the U.S. Olympic Trials in 1972 that was held in Chicago, IL. I was asked to get out of the lane I was swimming in for warm-ups because Mark Spitz needed the lane to himself. He went on to win 7 gold medals at that Olympics.