How long have you been in the mortgage business and what inspired you to get into it?
I've been in the business for over 10 years. I wanted to help people get in the best possible housing situation, whether buying or refinancing.
Who is your typical customer and what questions do they typically have?
My typical customer is typically looking to improve their current housing situation. They typically want to know interest rate and closing costs.
What specific steps do you use to help your customers find the best home loan for them?
I make sure to analyze where they are now, and what situation best helps them. Sometimes what the customer thinks they want, may not be the best solution. My job is to look at all the options available, and present them all to the customer, and let them choose which way to go.
How long have you been in the mortgage business? What awards have you won?
I have been in the mortgage industry for over 10 years. I have received multiple awards for outstanding customer service and performance excellence.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Fixed rate mortgages are a safer long-term product, unless I was looking at a jumbo loan, I would advise a customer to go fixed. The rates are so low now, that an ARM product really doesn't make sense.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
Every customer and every loan typically has some sort of challenge. My job is to figure out what the challenge is, and then find a specific solution to their individual challenge.
What advice would you give new or first time home buyers?
I would make sure they understand the risks as well as the rewards of buying a home.