How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage business for almost 30 years and was drawn to the business due to all the client contact. I still have many clients from years ago and love that part of the business.
Who is your typical customer and what questions do they typically have?
My clientele is very diverse....from first time home buyers to clients with many homes.
What specific steps do you use to help your customers find the best home loan for them?
I always try to figure out what loan is best for them.....how long they expect to stay in the property, what their plans are in the next 5 to 10 years, etc.
How long have you been in the mortgage business? What awards have you won?
I have been on the Top 200 Mortgage Originators for many years.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
The biggest pro of today's fixed rate mortgage is that fixed rates are currently so low that the adjustable rate mortgage is not much lower. It really depends upon the loan amount. My borrowers with jumbo mortgages are inclined to choose an adjustable because they use the mortgage more as a financial tool - not because they necessarily need the loan to purchase.
Tell us about a mortgage product that consumers may not be aware of?
I love the 10 year adjustable with a 30 year term....it has a lower rate than a 30 year fixed and guarantees a fixed rate for the first 10 years.....especially good for those homeowners who know they will not be living in their home after the next ten years.
What can borrowers do to insure a smooth mortgage underwriting process?
Borrowers can make sure that they provide all the documentation that is required.
What provides you with the most satisfaction in your job as a Loan Officer?
The most satisfaction I get is from making the client happy and that they remember the experience in a positive way.
Tell us something that makes you unique or something wacky, yet interesting about you?
I care very much about my borrowers. Ensuring that they are well taken care of during this process gives me a lot of pleasure.