How long have you been in the mortgage business and what inspired you to get into it?
I am in my twentieth year of originating mortgages. A very close friend was in the industry and strongly encouraged me to join him. It is a decision I will never regret.
Who is your typical customer and what questions do they typically have?
I don't know if there is such a thing as typical. I have customers buying their third or fourth home and utilizing a Jumbo loan to do so and I have helped many first time home buyers take advantage of the great FHA products available. I am well versed in VA loan offerings and have done many second home and investment properties. The one commonality is that all of these borrowers greatly benefit from reliable information. That is when they make their best decisions.
What specific steps do you use to help your customers find the best home loan for them?
Through conversation I get to really know my borrowers. I ask questions to discover needs and wants...sometimes things of which they have not thought. This process has led me to become long time friends with many of my customers.
How long have you been in the mortgage business? What awards have you won?
As owner of a small mortgage company, we were chosen as best lender in north St. Louis County and presented with the award signed by Kit Bond. However my greatest accomplishment is consistent satisfaction of my borrowers. That is the ultimate reward.
What advice would you give new or first time home buyers?
Don't rush into a decision. Create a budget and stick to it and seek the counsel of trusted advisers.
What can borrowers do to insure a smooth mortgage underwriting process?
Be ready to provide all requested documents immediately upon executing a sales contract so that your file can be submitted for underwriting as quickly as possible. Choose your home owner's insurance as quickly as possible and secure a binder for the same. Don't panic if additional information is requested. Simply provide that information as quickly as possible.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I have 8 siblings, 2 children, 37 nieces and nephews, 3 grandchildren and 24 great nieces and nephews. I enjoy spending time with my family and being the guy in charge of food preparation.
Tell us something that makes you unique or something wacky, yet interesting about you?
I am the family historian, so I enjoy exploring cemeteries.