Who is your typical customer and what questions do they typically have?
I receive more First Time Home Buyer's Request, and they typically look to me for help and guidance. I help explain the process, step by step, and ask them what is most important to them. And back into the loan from there.
With second, third, and multiple purchasers, they already know what to expect, and are just looking for the best service, along with the best rate and ease of closing.
What specific steps do you use to help your customers find the best home loan for them?
When it comes to helping customers "find" the right home, I leave that to the realtor, however; I DO encourage the buyer to contact me when they find a house they "MUST HAVE". I look the property up for taxes, any potential HOA fee's and advise them as to their anticipated monthly payment.
What are the top 3 misconceptions people have about the home loan process?
YOU MUST have perfect credit.
YOU MUST have 20% Down.
YOU MUST have been on your job for two years.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
I would recommend listening to others in your neighborhood regarding whom they recommend for the purchase of your new home. Not only ask about a Realtor, but for a Mortgage Loan officer as well. The "online" lender is not necessarily the best lender for you.
What provides you with the most satisfaction in your job as a Loan Officer?
I LOVE to see the faces of everyone at the closing table, once all paperwork has been signed, Keys have been exchanged, and everyone walks away HAPPY.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
In no particular orde: Spending time with my loved ones. Listening to / Viewing Live Music. Spending time in nature.
Tell us something that makes you unique or something wacky, yet interesting about you?
Most people are intimated by me due to my size. But I am actually a big tenderhearted person, and would give the last of whatever I have if you need it. You can typically catch me at any given hour from 6AM till 11PM.