How long have you been in the mortgage business and what inspired you to get into it?
I’ve been in the business for a little over twelve years. I was told that the mortgage industry would be a good fit for me. And it was! It turns out that a strong mind for figures combined with an authentic desire to simplify makes the whole process easier for everyone involved.
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?
I started in the mortgage industry back in 1998 during a time of exponential growth. Back then the industry was like the wild west, too many outlaws and not a sheriff in sight.
Those outlaws quickly drained the American consumer of much of their hard-earned equity. Folks 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. The outlaws were driven out of town and now the 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, all to infrequent, trips to the shore with my dog Mike. 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 the different sizes). Those poor people were finding pictures of us for months.