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 10 years. I got into the industry because I was intrigued about the loan process and figured I could help homebuyers who hadn’t had a good experience in the past.
What specific steps do you use to help your customers find the best home loan for them?
My Customers always get an update on the new lending environment we are in. I always prepare them on the necessary income, and asset requirements we need to get a loan approved. I inform all Customers of the incredible technology we have and how it helps ease the amount of paperwork they have to provide.
How has the mortgage industry changed since you started, and what would you expect in the future?
Compliance and Technology have been the biggest change to our industry over the last 5 years. Compliance revolves around the Customer understanding the responsibility of home ownership and making sure Lenders are accurately disclosing rates and closing costs. The Technology we use at Guaranteed Rate is amazing and eases the process dramatically for the consumer, not all lenders have this technology.
What part of the home loan process do customers find most difficult and how do you help them through it?
The first 7 days of the application process is "show time". This is when the success of the loan getting approved and closing on time is determined. I set very firm expectations around getting me accurate documentation uploaded in a timely fashion to our DropBox secure portal.
What can borrowers do to insure a smooth mortgage underwriting process?
Listen to the Loan Officer and take good notes. Understand that bringing all your income and asset documents to the initial meeting is crucial. Block out 90 minutes of your day for this initial meeting, it will save you hours throughout the process.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Ft. Wayne, IN. After high school I moved to Columbus to attend The Ohio State University, I really never left. I love fall Saturdays as Buckeye football is a passion of mine.
Tell us something that makes you unique or something wacky, yet interesting about you?
Growing up in Indiana I always wanted to learn how to surf. Last year I took a surfing trip to Costa Rica to check it off my bucket list. Amazing!