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Loi Tran

VP of Mortgage Lending
636 Fourth St, San Francisco, CA 94107
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NMLS: 454267
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Loi interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
Asking all the right questions and making sure you take a thorough and complete application from the start ensures that you have all of the necessary information to find the best loan for the client. Basically it comes down to the right payment that the customer is comfortable paying every month. Listening to the customer’s needs and knowing what they really want is the most important thing.
Tell us about a mortgage product that consumers may not be aware of?
10% down purchase loans are still unknown to most buyers because they are under the impression that they have to put down 20%. At other lenders and or banks they are usually restricted to just a few of their in house programs and they don’t have the products which they can offer. The many benefits of working with Guaranteed Rate is that we offer a wide variety of loan programs that can help the customer get to point A. You are only as good as your products that you can offer to your clients and at Guaranteed Rate we have a lot of different products to get the job done.
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?
Guaranteed Rate’s app is a good start because it helps the customer get approved and also can help with the monthly payment to determine how much they can buy which is the most important thing in the home buying process. Redfin, Trulia or Realtor.com would be a good alternative to find properties in the area. I like Redfin because it uses a map to determine locations of all properties available to the buyer.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in the heart of San Francisco’s tenderloin area. I attended Spring Valley Elementary school, Marina Middle School, Balboa High School and finally went to San Francisco State University and studied Business Administration.
What provides you with the most satisfaction in your job as a Loan Officer?
Providing assistance to realtors and homebuyers brings the most satisfaction because I love working with people and helping them realize the American dream.
Tell us something that makes you unique or something wacky, yet interesting about you?
In my free time I like to study about alternative health because I truly believe that health is wealth and I am living it every day. Additionally I also like watching the NFL and I am an avid gamer that likes to play games on the computer, and PS4.

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