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Michael Rose

Director of Online Lending
173 Technology Drive, Suite 201, Irvine, CA 92618
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NMLS: 87733
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About Michael

I entered the mortgage industry in 2002, shortly after graduating from UCSD. I quickly entered the direct-to-consumer space where I have specialized in both refinance and purchase transactions. Since then, I have moved into sales management at GR through our Irvine office. I love the challenges that this position affords, the ability to help our employees grow and succeed, and to provide our customers with the best mortgage experience possible. I am a true believer in Guaranteed Rate's value proposition to our customers and our employees.

I live in Newport Beach with my wife Judy. I love movies and can do a fairly strong Christopher Walken impression. My wife and I recently welcomed a new addition to our home. Our son, Alex, has been keeping his parents busy and very happy.

Michael interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
Asking questions and internalizing a customer's issue/situation as if it were my own.
What advice would you give new or first time home buyers?
When it comes to a payment on your first home, always crunch your own numbers and ensure you aren't stretching yourself too thin: be your own underwriter in that respect. Your lender might be able to approve you for a higher payment, but KNOW what is comfortable for you.
What part of the home loan process do customers find most difficult and how do you help them through it?
Underwriting. After the crash, underwriting has become a more difficult process. In order to ease the flow, I would advise preparing documentation early. Having your W-2s, paystubs, bank statements, and tax returns in complete and electronic form before initiating the process will ensure a more efficient process.

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