How long have you been in the mortgage business and what inspired you to get into it?
I have been in the Mortgage industry for 15 years. I was working as an advertising executive for 10 years prior and did not feel like getting into management as my company wanted so I started speaking with friends in the business and thought it was a good fit since I could still rely on my sales skills.
Who is your typical customer and what questions do they typically have?
I have worked with all types of customers from 1st time home buyers to the seasoned real estate investor. My typical customer is one that has experience in the home buying process. The typical question would be “how long does this process take and what are your rates & fees”.
What specific steps do you use to help your customers find the best home loan for them?
I question their goals for home ownership and present the best product options available to reach their goal.
How long have you been in the mortgage business? What awards have you won?
15 years. I have won Best Mortgage Professional from San Diego Magazine for the past 5 years. I have also been in the top percentile nationally for 13 years for customer service at my previous employer, Wells Fargo Home Mortgage
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Pros of a fixed rate are consistency in payment over the term of the loan and no volatility in payment. The cons would be the amount of interest paid over the term. Pros of a variable rate would be more allocation of payment to principal and lower interest paid but the con would be that it is only fixed for a short period and the exposure in a higher payment after this could be significant.
What part of the home loan process do customers find most difficult and how do you help them through it?
Paperwork required. I believe upfront in setting proper expectations that there is a lot required but that I will provide them a concise list of needs for efficiency.
What provides you with the most satisfaction in your job as a Loan Officer?
Helping people achieve their homeownership dreams.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Family & Surfing.
Tell us something that makes you unique or something wacky, yet interesting about you?
My musical tastes. I like listening to Mariachi punk rock bands and also like jazz and everything between but pop music.