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?
First time homebuyers have mostly questions on limits of their approval.
What specific steps do you use to help your customers find the best home loan for them?
I start from scratch, at the beginning.
How long have you been in the mortgage business? What awards have you won?
I have led my team in purchase and refinance goals in many monthly competitions, thanks to my borrowers.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
A fixed rate for long time owners and ARM rates for short time owners....
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
We had to have a family member co-sign for the first time borrower.
What advice would you give new or first time home buyers?
Make sure you leave monthly income enough to save for the future. Don't be house rich and cash poor.
Tell us about a mortgage product that consumers may not be aware of?
10 year loans with a fixed rate for folks wanting to pay it off in less than 15 years.
How has the mortgage industry changed since you started, and what would you expect in the future?
I expect more regulation.
What part of the home loan process do customers find most difficult and how do you help them through it?
Putting the paperwork together. Keep a good filing system.
What are the top 3 misconceptions people have about the home loan process?
Too much paperwork, takes a week to accomplish, we direct the appraiser...
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.. Keep an eye on your value of the neighborhood and schools...
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
What can borrowers do to insure a smooth mortgage underwriting process?
Get everything together at one time.
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?
I love all sports, but when my sons picked soccer, I had to join in and coach. So fulfilling.
Tell us something that makes you unique or something wacky, yet interesting about you?
I grew up on a farm in Washington State... actually milked cows at 5.30AM. BY hand!