Who is your typical customer and what questions do they typically have?
Most of my clients are Realtor referrals. They may be first time home buyers or a young family looking to move up. They all have similar questions. What documents do you need from me, what does it cost and what will my rate be? The "what will my rate be" is number one. This gives me a chance to explain the many factors that go into qualifying for a loan and how that may affect their interest rate.
What advice would you give new or first time home buyers?
When I first meet or speak with a first time home buyer, I try and get a feel as to their comfort level for a monthly payment. I start with finding out their current monthly rent. I then ask if they have seen any houses that they like and what are the prices of those houses. This gives us a starting point to find a comfort level for a monthly payment, which gives us a possible purchase price.
What can borrowers do to insure a smooth mortgage underwriting process?
The process of getting a home loan can be a challenge. Not only are many documents needed, but timelines need to be met. I send out a an email, at the beginning, that has a list of everything they will need to close their loan. I tell them that we may need documentation to back up some of these documents. I let them know they need to be quick on their feet and when I ask for something to get it to me ASAP. This keeps the process moving towards a timely and successful close.
Summary of where you grew up: family, affiliations, college, high school, etc.
I was born and raised in North Carolina. Most of my family is still there. I carry the same values that I was taught as a child. Be fair and honest. Help your neighbor if they need it. Listen. You learn a lot that way. This is how I help make my customers feel taken care of and happy at the end of what can be a the challenge of a home loan. AND root for Carolina not Duke!
Tell us something that makes you unique or something wacky, yet interesting about you?
I was an Actor for over 29 years. I did commercials, performed on Broadway and was cast in many movies and TV shows. Worked with a lot of pretty big stars. In fact, Brad Pitt was in one of my movies. He was an extra in a beach scene!