Who is your typical customer and what questions do they typically have?
My typical customer is brand new to the mortgage process. Usually most of their questions are about the process, how we figure out rate, and why some details that can seem small are so crucial to getting the best possible loan.
What advice would you give new or first time home buyers?
Go out and get a pre-approval letter! A pre-approval will allow you to know exactly what to expect for when you get a mortgage, that way nothing can surprise you when it comes to going under a sales contract. It gets the financial aspect out of the way so you can focus finding your new perfect home and only that.
What are the top 3 misconceptions people have about the home loan process?
You need to put 20% down. You can go as low as 5 or even 3.5% down depending on the program. While 20% down will ensure you don’t pay mortgage insurance it may make more financial sense to put less down now and save some of your assets.
What provides you with the most satisfaction in your job as a Loan Officer?
Aside from helping people achieve one of their biggest goals of becoming a homeowner there’s one aspect of being a loan officer that I really enjoy. The variables. There are so many variables in the mortgage industry that it’s almost impossible to learn them all and they are ever changing. This keeps me on my toes and really allows me to get creative and see what I can do to make sure you are getting the best possible mortgage.
Tell us something that makes you unique or something wacky, yet interesting about you?
When I was in grade school I almost became a professional video-game player.