How long have you been in the mortgage business and what inspired you to get into it?
30 years. I wanted to help others achieve the American Dream.
Who is your typical customer and what questions do they typically have?
Purchases and refinances.
What specific steps do you use to help your customers find the best home loan for them?
Determining their purchasing power, down payment options.
How long have you been in the mortgage business? What awards have you won?
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Fixed rates are best for longer terms intended to live in the property. Anything less than five years can be considered an ARM.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
Specialize in lending to borrowers with even less than perfect credit.
What advice would you give new or first time home buyers?
Get pre-approved. Find out about different loan options.
Tell us about a mortgage product that consumers may not be aware of?
First Time Homebuyer and Down Payment Assistant loans and grants.
How has the mortgage industry changed since you started, and what would you expect in the future?
There have been several added guidelines and restrictions.
What part of the home loan process do customers find most difficult and how do you help them through it?
Borrowers tend to want to use old guidelines or past experiences in today's loan process.
What are the top 3 misconceptions people have about the home loan process?
1. It can still be quick and painless.
2. Paperless allows reduced documentation.
3. They cannot get a loan due to a negative circumstance in the past.
What can borrowers do to insure a smooth mortgage underwriting process?
Be active in the process. Supply the items requested, not what they think we need.
Are you active in any fundraising organizations? What goals and/or success have you helped them achieve?
Summary of where you grew up: family, affiliations, college, high school, etc.
Married, 4 kids. BA in Psychology. Native to CA.
What provides you with the most satisfaction in your job as a Loan Officer?
Helping others achieve the American Dream.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Golfing, hiking, traveling.
Tell us something that makes you unique or something wacky, yet interesting about you?
I have a twin brother who is also a loan officer.