How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage business since 1991. The role of helping people get into homes has always been a rewarding experience, and I have never looked back - still in the business 24 years strong!
Who is your typical customer and what questions do they typically have?
I generally work with all types of buyers from First time buyers to those that have purchased several homes before. Their questions generally relate to "how much will my payment be" and "how much will I need at time of closing".
What specific steps do you use to help your customers find the best home loan for them?
Step one is to take in a full application. I then can analyze and learn more about the clients full scenario, and offer the best and most fitting program for them. It is impossible to give advise without knowing their full situation/scenario.
How long have you been in the mortgage business? What awards have you won?
I have been in the mortgage business since 1991. I have been listed in the Top 1% for Mortgage Originators in America, have received Angie's List Super Service Award for outstanding service, and have been a President's Club member of Guaranteed Rate for several years.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
For the past few years fixed rates have dominated as they have been attractively low. ARM products still have a niche and clients will consider them if they know they will only be in the home for a short period of time as they offer even lower rates.
What advice would you give new or first time home buyers?
Get pre-approved prior to looking at homes. This way you will know what price range to consider and what your approximate payment wll be upfront.
Tell us about a mortgage product that consumers may not be aware of?
Renovation loans are a unique product that allow for clients to buy a "fixer upper" and add the renovation costs to the mortgage amount. It can be a perfect program for the right buyer.
How has the mortgage industry changed since you started, and what would you expect in the future?
The industry has changed immensely. Most loans are now "fully documented" and much more closely underwritten. There are still excellent programs with limited down payment options available. I would expect for changes to continue, but to be less dramatic than in the past as the housing market seems stable compared to past years.
What can borrowers do to ensure a smooth mortgage underwriting process?
It is extremely important that borrowers be very thorough in making sure they provide all items asked for from their loan officer.
What provides you with the most satisfaction in your job as a Loan Officer?
The goal is to make not only certain that the borrower is satisfied and impressed with my job as a loan officer, but that they then refer their friends and family. Future referrals provide me with the most satisfaction.
Tell us something that makes you unique or something wacky, yet interesting about you?
Along with being a mortgage Loan Originator, I love to buy & sell on EBay and wheel & deal on Craigslist. I am family oriented and love hanging out with the kids at the lake.