How long have you been in the mortgage business and what inspired you to get into it?
13 years, Always enjoyed financing. Love solving problems and helping clients customizing mortgage solutions.
Who is your typical customer and what questions do they typically have?
First Time Home Buyers and clients wanting to use renovation financing.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Pros give you peace of mind that your monthly payment will not change down the road. Cons are you will have a higher monthly payment
What advice would you give new or first time home buyers?
As soon as you know you want to purchase a home, get pre-approved. It provides a baseline of where you are today and what we need to do to ensure we are qualifying for the most favorable terms.
Tell us about a mortgage product that consumers may not be aware of?
First Time Home Buyer Grants Program and Renovation Lending.
How has the mortgage industry changed since you started, and what would you expect in the future?
TRID (Dodd-Frank). Credit Analysis will continue to evolve.
What part of the home loan process do customers find most difficult and how do you help them through it?
Continually having to provide bank statements for asset verification, large deposits, gift funds, earnest money clearing accounts
What are the top 3 misconceptions people have about the home loan process?
1) assets needed 2) credit score/history 3) different lending options
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?
HomeSnap is an easy home search tool. Good pictures and information.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
Mortgage calculator, my website, contact me & Real Agent, if applicable.
What can borrowers do to insure a smooth mortgage underwriting process?
Be responsive to our request and do not assume anything. Ask all questions early and often.
Are you active in any fundraising organizations? What goals and/or success have you helped them achieve?
Trinity Christian School, for my daughter. Feed My Starving Children. Setup events semi annually.
Summary of where you grew up: family, affiliations, college, high school, etc.
Grew up in Lafayette, IN. Went to Purdue University in W. Lafayette. Have lived in Chicagoland since 2004.
What provides you with the most satisfaction in your job as a Loan Officer?
Helping clients meeting the home mortgage goals and building/growing personal and professional relationships.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Spending time with my family and taking mini vacations visiting different zoos and children’s museums.
Tell us something that makes you unique or something wacky, yet interesting about you?
I am a twin and work in the mortgage business at Guaranteed Rate. I also have an 115 lb Mastiff!