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Frazier Caldwell

VP of Mortgage Lending
950 Reserve Dr, Ste 100A, Roseville, CA 95678
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NMLS: 693311
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Frazier interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
My career in the mortgage industry began in September of 2001. I was wrapping up my career with the United States Army and looking into the corporate world. What I found was an opportunity to build a career doing something I love, which is engaging with people on an individual basis and guiding them as they achieve a very important goal, in this case home ownership. Early in my career, I found that most Loan Officers were trained as “Sales People,” which I found to be odd. If I were a consumer I wouldn’t want to “negotiate” for the best terms, especially when making such a large purchase. Instead I chose to approach the business from a consultant’s perspective. My goal was to be an expert that a consumer could turn to for information that would allow them to make the best choice for their individual circumstances. That approach allowed me to weather the Housing Crisis and has since propelled me to be recognized among the knowledgeable Loan Originators nationwide. I use the same approach to this day.
What advice would you give new or first time home buyers?
Take the time to get thoroughly pre-approved. The more clearly you understand the process and how you qualify the better the overall experience will be. The advantage goes to the well prepared.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
The mortgage industry is more transparent today than any time in history but there is still room for improvement. The hands down best way to gather substantive and useful information is by speaking with a Loan Officer directly.
What provides you with the most satisfaction in your job as a Loan Officer?
Helping people to simplify life’s biggest purchase by breaking down the process into bite sized pieces and hearing that sigh of relief from my clients when they gain the confidence and the clarity they have been looking for.
Tell us something that makes you unique or something wacky, yet interesting about you?
In addition to being a Loan Officer, I am a home schooled chef. I take great pride in feeding my family, my friends, and my co-workers. There is nothing better than sharing a great meal.

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