What specific steps do you use to help your customers find the best home loan for them?
I let my clients tell their story and give me as many details as possible on their specific situation. This allows me to determine each client's immediate needs and their long-term financial goals. I give my customers options that meet their individual needs, and let them ask questions to make sure they fully understand the loan option they select.
What advice would you give new or first time home buyers?
Get your financing in place to make sure the price range you are thinking about meets your budget. Once you see the homes in a higher price range, it is difficult to find a less expensive home that you would absolutely love. You might get disappointed and discouraged as you will mentally compare each home to the more expensive version you have seen, that you can't afford.
What can borrowers do to insure a smooth mortgage underwriting process?
Pay attention to what your loan officer is telling you, ask as many questions as possible to make sure you fully understand the mortgage process step-by-step. Provide all the requested documents promptly. If you are not sure about something, call your loan officer and get clarification.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in former Soviet Union. Russian is my native language, and I have the ability to communicate in Russian throughout the mortgage process. I have helped many Russian-speaking borrowers finance their homes.