How long have you been in the mortgage business and what inspired you to get into it?
I have been in the industry for 12 years: 1998 – 2008, 2016 – present.
My ex-wife was an underwriter and believed that it would be a good fit for me. It was! It’s like this industry was designed for the way my brain works.
How long have you been in the mortgage business? What awards have you won?
• National New Product Development, Advisory Council, 2002-2007
• Nationwide Pipeline Tool Creation and Implementation, Pipeline Development Team
• Nationwide CRM Development, Stars/Saleslogix Development Team
• Co-created National Rate Lock Procedures and Tools, Rate Lock Committee, 2006
• Dale Carnegie - Skills for Success – Leadership Program.
• Dale Carnegie - Leadership Program for Managers.
• Tom Hopkins – Sales Seminar.
• Jeff Gitomer – Sales Seminar.
• Franklin Club – Recognition of top 10% of all account executives nationwide.
• Advisory Council MVP - Award given to the top contributor to the Advisory Council
• Countless salesman of the month awards.
How has the mortgage industry changed since you started, and what would you expect in the future?
The mortgage industry today is unrecognizable when compared to the industry when I started my career in 1998. It used to be the wild west, a bunch of frat boys haphazardly filling out applications for loans that quickly drained the American consumer of much of their hard-earned equity. People were treating their homes like ATM machines. Fraud was the norm and the industry turned a blind eye to all of it.
Today, there’s almost no chance of seeing a repeat of any of the nonsense that happened back then. Frat boys and fraudsters were driven out of town and lenders are rewarded for making good decisions. As a consumer, there’s never been a safer time to buy a home.
What can borrowers do to insure a smooth mortgage underwriting process?
To ensure a smooth underwriting process, the single best thing a borrower can do is submit all of the necessary documents quickly and completely. Procrastination kills loans and makes it harder on everyone.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I look forward to our trips to the shore with my dog Mike. My wife Rose and I load up the car with everything we need and head down to the Longport Dog Beach for a few hours in the sun with my best friend. Mike is our golden retriever and to say he has a love affair with the ocean is an understatement. He runs into the ocean and swims for hours on end, doing everything he can to avoid us for fear of having to leave. It’s not unusual for us to have to chase him out into the water and pull him back to shore, just so we can go home.
Tell us something that makes you unique or something wacky, yet interesting about you?
I’m an expert level practical joker. One night a coworker and I replaced every picture (I mean every picture) in the entire office with a picture of us. It took us about five hours, you’d be surprised at how many pictures people have on their desks (and all of the different sizes). Another time, while most of the office was in a meeting in the conference room, we turned the hallway leading back to their desks into a waiting room (and yes, we had to temporarily wall it off). They got me back though, while I was in a meeting, they moved my cubicle to the other end of the office…and put everything in exactly the same place, it was as if they picked up the cube and set it down two hundred feet away.