How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage business exclusively since 2007. I closed my first real estate transaction in 2002. At that time I worked at a national finance company and financed just about anything. After working again for another national finance company I decided that I loved working on real estate loans the most and decided to change my career path.
What advice would you give new or first time home buyers?
Be patient! The mortgage and home buying process is ever-changing so try not to go into any transaction with any preconceived thoughts, even if a family member, co-worker or friend has bought a home or refinanced recently. Also, definitely get preapproved before looking at even the first home to determine a realistic budget and price rangeýý Make sure to ask questions to your lender and realtor throughout the process. Donýt be afraid to ask questions!
What part of the home loan process do customers find most difficult and how do you help them through it?
Getting correct documentation to the lender. On some occasions, borrowers feel like a certain document should work to fulfill lender or HUD guidelines but they may not. The best thing to do is ask questions to me if I feel a certain document received will fulfill guidelines. With my several years of expertise and education, This will eliminate any timing pitfalls on items that are in the buyerýs hands to complete.
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?
I am active in a local BNI (Business Networking International) group....Network Exchange. I am a previous VP of that group in 2012. We are a group of about 30-35 business owners/sales professionals that actively look for referrals for each of the members. Having been a member since 2010, I have seen our group and its members grow leaps and bounds. Seeing a new business owner/salesperson get started and then achieve the level of successes that each and every person has achieved is inspiring! We have a very tight knit group and have fun. You can find our group at www.bnikentucky.com and our group is called the Network Exchange chapter.
Summary of where you grew up: family, affiliations, college, high school, etc.
I am originally from Mt. Carmel IL and graduated from Mt. Carmel High School. After that, I went to McKendree College near St Louis for a year on a baseball scholarship and then transferred to Oakland City Univ after that. I played baseball for 4 years at the Division II level. I obtained a BS in Finance/Accounting at OCU. My parents and immediate family all still live in Mt. Carmel. I moved to Evansville (40miles away) in 2004 to be closer to my work at the time and have been here since. I married my wife Ashli in 2006 and we have a son, Blake.
Tell us something that makes you unique or something wacky, yet interesting about you?
I have been a die-hard Chicago Cubs fan since I was very young. My dad would watch me in the mornings until he left for his 2nd shift job and I would watch all the Wrigley Field 1:20 day games on WGN (before lights were installed in Aug 1988). The first team I can actually remember was the 1984 team but my parents said as a two year old a couple years before that I would sit through an entire game and watch every pitch which is amazing for an active 2 yr. old boy. I still follow the organization closely and watch as many games that I can.