How long have you been in the mortgage business and what inspired you to get into it?
Who is your typical customer and what questions do they typically have?
Anyone who wants to own a home or refinance a home loan.
What specific steps do you use to help your customers find the best home loan for them?
Go through all their expenses and make sure to suggest affordable options
How long have you been in the mortgage business? What awards have you won?
16 year, top 5 sales agent in production and quality service.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Potentially higher payment, but less risk.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
Business returns can be tough, knowing what deductions can be added back as income to reduce your debt to income ration is key.
What advice would you give new or first time home buyers?
Don't Stretch yourself too thin.
Tell us about a mortgage product that consumers may not be aware of?
Lender paid mortgage insurance options instead of FHA.
How has the mortgage industry changed since you started, and what would you expect in the future?
Many more guidelines and less choices.
What part of the home loan process do customers find most difficult and how do you help them through it?
Knowing what bank to choose from, and make them feel comfortable in choosing me to help them.
What are the top 3 misconceptions people have about the home loan process?
That taking money from your home is like taking money from an ATM, should be more simple right? Not really.
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?
A mortgage calculator, and any mortgage news site to know what is happening in the market they are looking to buy in.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
The internet is the place to be where any questions can be answered
What can borrowers do to insure a smooth mortgage underwriting process?
Have your documents prepared.
Summary of where you grew up: family, affiliations, college, high school, etc.
Queens NY, father of two and husband, Cal State Fullerton business degree, high school in Anaheim CA Loara High School.
What provides you with the most satisfaction in your job as a Loan Officer?
When I really save a client money and save their finances
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Im a father, I spend my free time with them.
Tell us something that makes you unique or something wacky, yet interesting about you?
I love all the conversations people say not to talk about, politics, religion, and finance