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 23 years. I was inspired by the challenge to create an honest solution to people's needs to buy and refinance houses.
Who is your typical customer and what questions do they typically have?
My typical customer is not typical. They come from a multitude of places and origins. My typical customer is a referral from a friend, previous client or referral partner.
What specific steps do you use to help your customers find the best home loan for them?
I evaluate credit, income and the home's value. Then I provide choices that will allow the client to evaluate and make the best mortgage choice, based on those options.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Typically my clients choose fixed rate mortgages at a competitive rate. Adjustable Rate Mortgages have a place for borrowers who are borrowing for more short term situations or borrowing in the Jumbo Mortgage Levels.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
I have had so many challenges as every borrower and situation is different. I tend to ask a lot of questions to "pry" the most options out of my borrowers. If you don't ask tough questions, you may not get the whole story and miss an opportunity to solve a problem that nobody else was tenacious enough to solve. I have helped many self employed people get approved, I have helped a multitude of clients navigate divorce and I am proud to say I have helped 100's of my clients, buy, refinance, and buy again and again. I expect to be your mortgage lender for life!
What advice would you give new or first time home buyers?
Meet with me ahead of time. Take advice and establish good credit before you need to borrow. I will let you know what to expect and navigate you to the finish line.
Tell us about a mortgage product that consumers may not be aware of?
Our true HGTV Home Improvement Loan, is the best in the marketplace. Buy a home and do the improvements all in one mortgage!