How long have you been in the mortgage business and what inspired you to get into it?
I have been in the business in some capacity or another for 30 years and I started out in government lending to help people who did not have large down payments.
Who is your typical customer and what questions do they typically have?
I am about 50/50 between first time home buyers and previous clients and they ask all kinds of questions depending on their circumstances. I encourage my clients to call or text if they are of that age group anytime -even nights and weekends.
What specific steps do you use to help your customers find the best home loan for them?
I like to make sure I know what they want to pay monthly, not necessarily what their ratios say. I think that is the first step. Some times it is the beginning of a reality check but it starts the ground work.
How long have you been in the mortgage business? What awards have you won?
Throughout the years most of my rewards have been for first time homebuyer lending or rehab. I won the diverse lending award from MHFA as well. I also received an award from HUD for doing the first 203ks in the state of Minnesota.
What advice would you give new or first time home buyers?
Always ask yourself what you are comfortable paying. Everyone has different spending habits or costs we do not consider. Be sure you feel comfortable with the payment you are going to have on the new home. Remember owning has more costs involved than renting sometimes and you need to consider that when you decide what payment is right for you.
What part of the home loan process do customers find most difficult and how do you help them through it?
Most customers are not ready for the required paperwork, especially on the asset side. I always discuss this upfront so at least they know there is a possibility that they may need additional documentation. Then if that happens, I address it in detail right away and try to explain the reason we are asking for it.
What provides you with the most satisfaction in your job as a Loan Officer?
My satisfaction is seeing people achieve their dream. It far outweighs everything else
Tell us something that makes you unique or something wacky, yet interesting about you?
I have a boy's name and am often asked what my real name is. I get emails as "Ted" and people are often surprised I am a female. However, I also am pretty much a tomboy. Motorcycles, horses, traveling the world alone.