Who is your typical customer and what questions do they typically have?
My typical customer is purchasing a home. All clients are wanting to know what the best loan program is for their individual scenario. They also want to know rates and fees associated with the transaction.
What specific steps do you use to help your customers find the best home loan for them?
The first step in finding the best loan is getting the application completed. Once that is in place we discuss their goals for the loan and adjust accordingly.
What are the top 3 misconceptions people have about the home loan process?
The most common misconception is that it is a difficult process. In my time as loan originator i have fine tuned the process and made it painless for all parties. The second is that every lender is the same, this is simply not true. Education and experience is extremely important when looking for a good lender. One company may say no but another may have no issue getting you approved. Its all about how the individual loan officer originates the loan. The third is that pulling credit is bad. It does not harm you to get your credit pulled and it also allows us to get a perfect game plan together.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
I always recommend getting pre-approved early in the home buying process. This gives us time to explore all options and decide what the best mortgage fit is for you. Google is not a good place to start! Just call me.
What provides you with the most satisfaction in your job as a Loan Officer?
The best part of my job is when i get to see the client at the closing table with a smile on their face. First time home buyers, repeat clients, or refinance customers always get the top level of customer service offered in my industry.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
When i am not doing mortgages I enjoy being outdoors. I like to hike, golf, and be on the water. If I can get any of those three accomplished on a given day, I am pumped.
Tell us something that makes you unique or something wacky, yet interesting about you?
I have a really good beard.. haha! I have been in competitions and am a certified beardsman. I am also known as The Bearded Lender in some circles.