Who is your typical customer and what questions do they typically have?
It varies from first time buyers, investment properties, to 2nd vacation homes, and of course refinancing any of the mentioned. The biggest question I receive is what is my MAX purchase price, and I have to say, that I do not like to base my pre-approval letter on what is at the top of your qualification on paper. I take down the walls and tell my buyers that if it's too expensive and too much for you, it's too much for me. I start out with asking how much do you want your monthly payment to be, what is your ultimate MAX MAX, and then how much money do you have set aside for this purchase, and what is your MAX you're willing to part ways with. I've found that this really breaks down the barriers of being pre-qualified as a lot of customers find it very intimidating, and the response I have received has been very positive.
What advice would you give new or first time home buyers?
A lot of people especially people that are looking for their first home have a lot of reservations and people in their ear once they decide that they want to purchase. I always tell my clients let's start first at the credit, and then work into your comfort zone regarding payment. I feel by taking the extra few minutes to really get to know your client and their needs will not only ensure a smooth transaction but you'll have an overall better understanding of what will be best for the client, it's a customer service industry and we need to remember that.
What can borrowers do to insure a smooth mortgage underwriting process?
Trust what the processor is asking for, after all they are an extension of the underwriter who is abiding by the investors guidelines. And ask a lot of questions, whether it is upfront in the initial pre-approval stage or after you have signed your initial loan disclosures. We love questions, it will make you as the borrower feel that much more at ease.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Sacramento and lived there until I went off to college. I went to a very small private Christian high school in a small town of Carmichael. From there, I graduated in 2008, and moved down south to Riverside to attend California Baptist University, Go LANCERS!, where i majored in Kinesiology with an emphasis in exercise physiology. From there, I had all intentions of attending grad school to become a Physical Therapist, but God had other plans for me. While attending college with a full schedule and working at Nordstrom, I befriended my old co-worker who one day after countless interactions with him asked me if I wanted to be his apprentice and get started in a booming industry, and well 4 years later I'm here. I have been blessed to work right along side of the owner of my previous company and his team, closing anywhere from 30-40 deals a month due to our flip accounts, and helped manage our new home build division for over a year, ensuring that our loans were submitted properly to our broker. This industry has me hooked. I love that my job allows me to help others achieve their dream of being homeowners and creating memories that will last a lifetime.
Tell us something that makes you unique or something wacky, yet interesting about you?
Although most everyone can see my wacky sense of humor and report, one thing people do not know about me is my passion for helping others. From community service projects to random acts of kindness, I strive everyday to make other people in my community feel supported just as my community has done for me.