How long have you been in the mortgage business and what inspired you to get into it?
I entered the mortgage industry in 2002. I had a couple friends in the business and I figured I would give it a try. Since I’ve always loved working with numbers, I thought it might be a good fit. And it certainly has been!
What specific steps do you use to help your customers find the best home loan for them?
Education and information! I enjoy running through the various available scenarios with my borrower(s) and show them the choices available to them. I like to show the different loan programs and how it relates to monthly payment. But then also show how those same programs will impact the borrower(s) long term. I show what each loan will look like 5- 10- 15-years down the road.
How has the mortgage industry changed since you started, and what would you expect in the future?
The mortgage industry has changed immensely since I started in 2002. Back then, you could get a loan with ZERO money down and very little supporting documentation to boot. The guidelines are much less lenient these days, but let me help you put your particular puzzle pieces together and we’ll figure out the best loan package for your specific scenario. I wouldn’t expect the guidelines to get any less restrictive anytime soon! These new rules are here to stay!
What part of the home loan process do customers find most difficult and how do you help them through it?
The numbers. The numbers are THE most important part, obviously. And I break them down into simple equations so you and the borrower don’t have to be afraid of them. Once you understand the basics of the transaction, the numbers just all fit in their appropriate sections and are easy to break down going forward.
What provides you with the most satisfaction in your job as a Loan Officer?
I like that the mortgage process has a bona-fide beginning and ending the loan closing. Helping someone through the process from start to finish whether a first-time borrower or a veteran of the process and knowing upon completion that he/she completely understand the numbers and process is my favorite part of my job. I call it Mortgage 101. Watching a client have that ah-hah! moment when they gain understanding and confidence in why we are doing what we are doing that is what gives me satisfaction as a loan officer.
Tell us something that makes you unique or something wacky, yet interesting about you?
I once took a mortgage application over the phone when I randomly got spotty reception while out fishing the boundary waters of MN and Canada and turning on my phone to take a picture of a bald eagle.