How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage industry for 13 years. I have always loved numbers and enjoy working with people. This combines them both!
Who is your typical customer and what questions do they typically have?
I work with all types of people from first time homebuyers to seasoned investors. Clients are most concerned with the monthly payment but I get a lot of questions regarding the process with all the new regulations.
What specific steps do you use to help your customers find the best home loan for them?
Since I am the numbers guy, I help clients identify their price range based on their monthly allocated budget. Since there are numerous programs out there, I present them with several options and help them make an educated decision based on their particular situation.
How long have you been in the mortgage business? What awards have you won?
13 years. I have been in President's Club twice and a National Achiever.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
This answer starts with how long the client plans on being in the home. If you know you are only going to be there a few years and then will be upgrading or moving, paying the premium for a fixed rate may not make sense. Many clients with Jumbo loans also prefer an ARM. Most clients with long term plans for their home choose fixed rate loans. Fixed rate mortgages are a slightly higher rate but provide the security knowing it will never change. There are numerous reasons to choose each option and that is why we discuss them both to determine which fits each individual situation.
What are the top 3 misconceptions people have about the home loan process?
Down payment - Many people still think you need 20% down to buy a home which is not true. There are many options from 0-5% down.
Not able to qualify - Many people think they cannot qualify but have not actually tried. Filling out our online application takes 20 minutes and it's free!
Too difficult - Many people think the process is too difficult so they again just don't try. With our Digital Mortgage the process is streamlined and working with the right Loan Officer helps eliminate the stress!
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
My two young boys keep me pretty occupied in my spare time. We enjoy going to the park, swimming, camping, and can't wait for them to start sports!
Tell us something that makes you unique or something wacky, yet interesting about you?
Growing up in Alaska, I got to spend summers in the remote areas like you see on TV. Many people would not guess that about me.