How long have you been in the mortgage business and what inspired you to get into it?
I have over 15 years of experience in the business that includes origination, underwriting, processing and mortgage operations management. This is an industry that I have grown to love and take great pride in being a part of. I have learned over the years that every borrower has a unique mortgage need and by taking the time to understand their goals in life, we can tailor a mortgage that will allow them to meet their short and long term goals. It is not a consumerýs job to understand the ins and outs of our industry. It is our job to counsel and educate them so they can make informed decisions allowing them to have a successful homeownership experience.
How has the mortgage industry changed since you started, and what would you expect in the future?
I believe the question should be what has stayed the same in the mortgage industry. Our industry consistently changes. The only thing that stays the same is the fact that it changes. When I first got into this business you needed no documentation to get a loan. Those days have passed us by. I have been through the meltdowns, the buy-outs and the freezes. Interest rates have been all over the board. In the future we can only hope to continue guideline improvement. We have come a long way to insure that our industry will never go back to the bleak times of the past. We can be sure that the all-time mortgage rate lows will not remain.
What can borrowers do to insure a smooth mortgage underwriting process?
Before you begin the process with a realtor you should contact a mortgage professional. The earlier you begin your mortgage consultation the smoother the process. We can look at your credit, income and assets to make sure that you are a ready and able buyer. If there are any blips we can get them taken care of. Lastly, we can give you best practices and next steps. This can avoid any snafu's during the process. Remember to keep an open line of communication with your mortgage professional. We need to know if anything changes from employment, income, assets or credit. Do not make any changes without first contacting your mortgage professional.
What provides you with the most satisfaction in your job as a Loan Officer?
Nothing is more fulfilling than watching a person close on the purchase of their new home or refinance to achieve a personal goal. Being a homeowner is a financial decision that is made for a specific purpose and helping people achieve that is one of the most rewarding experiences that a loan officer has.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I was born and raised in Raleigh, NC. I met my husband there and we decided to move back to his home town in the Northern Panhandle of West Virginia where I have lived since 2005. My husband is a high school teacher and coach. We have 2 boys that are very active. My spare time revolves around community events and high school sports. I am an American football fanatic. During football season you will find me at Friday night games, on the weekends either at a college/pro game or flicking through the TV stations to catch as many games as I can.