How long have you been in the mortgage business and what inspired you to get into it?
I’ve been in the business since 2001. I was doing financial planning, and the mortgage people kept messing up, so I thought I could do a better job. I found my niche and fell in love.
Who is your typical customer and what questions do they typically have?
Referrals from my sphere of influence, real estate agents, family and friends. Also, from purchase marketing with real estate agents. Multi-state mailers with refi niches.
What specific steps do you use to help your customers find the best home loan for them?
Having a full financial planning background, go through the time frame they’ll be in the home, and utilizing their monies the best way possible.
How long have you been in the mortgage business? What awards have you won?
I have been in the mortgage industry for 15 years.
How has the mortgage industry changed since you started, and what would you expect in the future?
It used to be the wild, wild west where anything goes, no license, no regulation… fog a mirror, you could get a loan. Now, heavily regulated and you have to know your stuff. Know guidelines and products in order to finesse tougher, but good, loans through.
What are the top 3 misconceptions people have about the home loan process?
1. Rates should be the same through any company or program. 2. You need a big down payment to qualify and buy a home. 3. The loan process is difficult.
What can borrowers do to insure a smooth mortgage underwriting process?
Set expectations and understanding of the loan process, and their part to make it the best experience for everyone involved.
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?
In the spring of 2007, I helped create a non-profit company called Building Utah Youth, where we raise monies to sponsor teenagers and young adults to go through a two and a half day leadership course that builds confidence, overcoming fear, teamwork, accountability, goal setting, focus, and much, much more. We have sent over 600 teens over the last nine summers, and have raised over $600K with local companies in Northern Utah.
Summary of where you grew up: family, affiliations, college, high school, etc.
Born and raised in Syracuse, UT. Served an LDS mission in Tacoma, WA, from 1995-1997. I have a beautiful wife and six children. I have lived in Clinton, UT for the last 16 years.
What provides you with the most satisfaction in your job as a Loan Officer?
Seeing first-time homebuyers get into a home, and when buyers realize their dream.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Hunting, fishing, snowmobiling, leadership development with teens and young adults.
Tell us something that makes you unique or something wacky, yet interesting about you?
I have a big heart and compassion for others, especially the underdogs. I love seeing people develop and realize their potential. I love to make people laugh.