How long have you been in the mortgage business and what inspired you to get into it?
Who is your typical customer and what questions do they typically have?
My customers range from first time home buyers to previous customers I have helped in the past who are either refinancing and upgrading to larger homes as their families grow.
What specific steps do you use to help your customers find the best home loan for them?
I analyze each situation based on the clients need, the time they anticipate staying in the home and determine what product it is going to suit the client so that they accomplish their goals with the most affordable loan available.
How long have you been in the mortgage business? What awards have you won?
2000-2003 Champion Mortgage Presidents Club
2004 - Home 123 manager of the year
2012-2015 -Santander Bank, Top Loan officer in New Jersey Region
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
A fixed rate Mortgage gives you piece of mind knowing that your rate cannot change. An adjustable rate mortgage can afford a borrower a lower rate, this is a great advantage if the borrower knows they will not be in the home long term, or have plans to accelerate the payments.
What advice would you give new or first time home buyers?
Buying a home is an emotional event. My Advice to new home owners is....You are going to be nervous!! Get used to it!! You will be nervous when you make an offer, you will be nervous with the inspection, with the appraisal, with the commitment....when this happens to you, (and it will) I will be there along with my team at Guaranteed Rate to get the job done for you.
How has the mortgage industry changed since you started, and what would you expect in the future?
The Mortgage industry has gone from being the Hot industry to jump into to make a quick buck to now being a very challenging industry with much less people, that is filled professionals that are committed to doing the best job for their clients.
What part of the home loan process do customers find most difficult and how do you help them through it?
Showing proof of assets seems to be challenging for many borrowers. Telling the borrowers upfront what they need to provide and guiding them to how they should handle their assets seems to be helpful
What are the top 3 misconceptions people have about the home loan process?
They are going to get charged a lot of fees. The appraisal is based on listed homes. They already paid for homeowners insurance for the year, why do I need to escrow.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
Zillow , Realtor.com
What can borrowers do to insure a smooth mortgage underwriting process?
Gather all of your income and asset documents in a PDF form. Do not make any major purchases without speaking to your loan officer.
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?
Pember Nutley NJ Zoning Board of Adjustments.
Founding Member - Nutley Historical Preservation Committee
Are you active in any fundraising organizations? What goals and/or success have you helped them achieve?
Nutley Family Service Bureau
Summary of where you grew up: family, affiliations, college, high school, etc.
Nutley High School
William Patterson University
What provides you with the most satisfaction in your job as a Loan Officer?
Helping people accomplish their financial goals and assisting them to purchase a home.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Huge Soccer Fan, Love spending time New York City and have a passion for the works of Mr. William Shakespeare
Tell us something that makes you unique or something wacky, yet interesting about you?
I've run with the Bulls in Pamplona Spain . I invite everyone I know to a party at my home in Nutley, New Jersey every year to watch and bet on the Kentucky Derby!