How long have you been in the mortgage business and what inspired you to get into it?
About 7 years now. When I was a banker, I saw way too many of my customers having awful and cumbersome mortgage experiences. I made the move into the mortgage side of the business to give customers a better more transparent experience than I had on my first purchase. I believe I've been successful in that endeavor by way of follow up, follow through, and constant communication with my clients.
How has the mortgage industry changed since you started, and what would you expect in the future?
Since my entrance into the industry, the business has undergone constant regulatory and qualifying guideline changes. These are occurring not only annually, but at times monthly. New regulatory bodies have been created and compliance has changed drastically for the entire mortgage process. With the guidelines and process ever changing, you need a trusted expert such as myself to decipher the environment and help you through the loan process now more then ever!
What are the top 3 misconceptions people have about the home loan process?
1. That the home loan process has to be difficult. As long as you trust a professional like myself, and follow all my upfront advice and coaching, we can definitely smooth out the process and take the sting away from what is usually a pretty long and arduous endeavor with most other lenders.
2. That you have to have 10%-20% down-payment for conventional loans. Not true at all. With guidelines opening back up and some programs coming back into the market, I have conventional loan programs with 3%-5% down-payment options.
3. That if you have credit scores below 700, or a foreclosure or bankruptcy within the last 7 years, you probably won't be approved for a mortgage. Not true. There are man different programs for all types of borrower situations, but you won't know if you fit them if you don't talk to me and explore the options that may be available!
Are you active in any fundraising organizations? What goals and/or success have you helped them achieve?
Long time active participant in the Avon Walk For Breast Cancer to raise money for cancer research and treatment. Have walked 5 times in both Chicago and Washington D.C. and personally raised over $10,000 during those walks.
Tell us something that makes you unique or something wacky, yet interesting about you?
Besides working in Finance since graduating college, I have also spent time in the fitness industry as a professional personal trainer.