What specific steps do you use to help your customers find the best home loan for them?
Every client comes with different opportunities in their financial portfolio, so I look at every file as a blank slate with no preconceived notions. I utilize government assistance programs when possible to help with down payment costs for qualified buyers. If Uncle Sam could potentially pay for a portion of your down payment, why should you?
Applicant subject to credit and underwriting approval.
What are the top 3 misconceptions people have about the home loan process?
1. "You have to put 20% down to buy a home." This may not be true for you. Utilizing programs like VA and USDA loans you could potentially get into a home for 0% down!
2. "I have a collection on my credit so I know I can't qualify." Again, it is important to explore all of your options. Guaranteed Rate has many programs with a variety of minimum requirements.
3. "I have my down payment but there's no way I can come up with closing costs." I work with some of the best buyers agents in the state and with their help the seller can pay all of, some of or none of these costs. Buying a home isn't free but using top tier agents to negotiate on your behalf can certainly make it cheaper.
What provides you with the most satisfaction in your job as a Loan Officer?
I take a lot of pride in doing VA loans. I did not serve myself but I try to do my part by taking care of those who did. I love working for a company like Guaranteed Rate where I can take advantage of waiving my lender fees for vets!
Waived $1290.00 lender fee available for VA loans that have a triggered RESPA app date as of January 1, 2020 through January 1, 2021 at 12:00am EST. This offer does not extend to Housing Finance Agency loans. ‘Triggered RESPA’ in accordance with Regulation X, is defined as lender receipt of all six pieces of information received in a secure format; applicant name, property address, home value, loan amount, income and SSN. Not all borrowers will be approved. Borrower’s interest rate will depend upon the specific characteristics of borrower’s loan transaction, credit profile and other criteria. Restrictions apply.
Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I enjoy trying new restaurants around the DFW area and lucky enough, most of them are dog friendly so I can take my pit bull best friend Brewster with me.