How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage industry for over 12 years. I have always been employed in the financial industry, but one day I went to my mother's home and watched her stress out over finding a t-shirt she needed to give to one of her sisters. After inquiring as to why this shirt was so important, she explained to me that for over 15 years, her sisters and friends had been "gifting" a shirt back and forth to each other that comically stated "I'm pulling my hair out, AHHH!". They all wore it every time one of them was buying a house. She went on to explain to me how difficult and confusing the home buying process was. I thought it can't be. I would have to think that industry is just in need of more people who know what they are doing and care about others. That night I discussed it with my husband, and he said "Here's the money, get online and apply for your license. I have no doubt that YOU are exactly what that industry needs". I moved forward on my license the next day, and I am so happy I did. When my mother bought her next house, I shredded the shirt!
What advice would you give new or first time home buyers?
Ask questions, even the ones you think are silly or dumb. The more you ask the more information I get from you and the more information you get in return. You shouldn't be losing sleep over the home buying process, it is my "job" to help you understand and guide you through this process.
What can borrowers do to insure a smooth mortgage underwriting process?
Honesty. Honesty. Honesty. I am not here to judge you, I am here to help you. If you leave something out because you "think" it might hurt your approval...then I can not be proactive and the road is undoubtedly going to get rough.
What provides you with the most satisfaction in your job as a Loan Officer?
Obviously helping the community obtain homeownership is always rewarding for a loan officer, but I enjoy befriending my clients on social media and watching their lives change and their families grow after the house is purchased. The most satisfaction I get is when I see people putting up their Holiday decorations, having a campfire in the back yard, decorating their expected child's room or something as simple as eating with their family at the dinner table. My clients become friends and my satisfaction in my "job" goes on for years and years after closing.