How long have you been in the mortgage business and what inspired you to get into it?
I’ve been in the Industry a little over 3 years. I was inspired to join based off of the service I received from my previous employer when I was a customer purchasing my second home.
Who is your typical customer and what questions do they typically have?
My standard demographic is the Veteran consumer. I specialize in VA loans. Most common question is: “I can really buy a home with no money down?”
What specific steps do you use to help your customers find the best home loan for them?
I ask a lot of questions. What is their budget, what is their 1000 meter target? How long do they plan on owning their home?
How long have you been in the mortgage business? What awards have you won?
I’ve been in the Industry now a little over 3 years. I was selected as one of the top 100 mortgage lenders in the state of Hawaii for 2015-2016.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Pros for a fixed mortgage is exactly what it is: a permanent payment that is customized to your budgetary needs without fluctuation. This is a great idea if this is your forever home. Not necessarily the best fit if you plan on keeping the home less than what the market dictates. As far as the ARM products, these are great for Investors, or for owners that want to capitalize on taking advantage of a lower rate which will allow them to apply more of their budget towards the principal balance of the loan. This will also, if done right, provide more leverage when renting the property.
What advice would you give new or first time home buyers?
Do your research! Shop and compare. Actually enjoy who you’re working with. This will be the most expensive item you ever purchase until you do it again!
What part of the home loan process do customers find most difficult and how do you help them through it?
Most customers find the disclosure process to be the most difficult. That’s what I’m here for. I want to educate you on every aspect of your loan. We don’t want anyone just signing paperwork!
What are the top 3 misconceptions people have about the home loan process?
They won’t qualify, homes are too expensive, I won’t live here long enough to make it worthwhile.
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?
Your personalized Guaranteed Rate app. It helps you figure out what your payment could be using the mortgage calculator when viewing possible future homes. Another great website is: www.realhi.com This is a very comprehensive page that gives you a plethora of information about every listing in the state of Hawaii.
What can borrowers do to insure a smooth mortgage underwriting process?
Always communicate with your lender Team. They’re here to help you!
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up all over, however I graduated High School from Roseburg, Oregon. Did some college time in Los Angeles, and then spent 20 years defending our country in the US Army. I have multiple combat tours to both Iraq and Afghanistan. I’ve been married to my wonderful wife since 2009, two boys and six Grandchildren. Yes, that is not a typo, six grandbabies all under the age of four. Whew!
What provides you with the most satisfaction in your job as a Loan Officer?
I love watching the “light bulb” go on when I explain how easy the process is. One of my favorite quote is: “The numbers don’t lie.” When the customer actually sees in black and white that we’ve helped them buy a home based of an actual budget, it is truly something magical.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Believe it or not, I really, really love what I do. So, I don’t look at my profession as something that is done on the standard 9-5. I literally live what I do. However, I do love spending time with my wife, my 6 beautiful grandchildren, golfing, hiking, and exploring all the wonderful attractions that Hawaii has to offer.
Tell us something that makes you unique or something wacky, yet interesting about you?
People will tell you that I am very intense and passionate about what I do. I grew up a little bit smaller than the local kids, and I think that played into how I approach life. I love the underdog, disdain the Bully, and believe in having integrity beyond reproach. With me you will always know where you stand.