GuaranteedRate - Mortgage Company

Marcus Lockwood

VP of Mortgage Lending
23622 Calabasas Road, Suites 230 & 337 , Calabasas, CA 91302
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NMLS: 240842
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About Marcus

“Help others to achieve their dreams and you will achieve your own” is an inspiring quote by Les Brown that I truly believe in. My calling in life is to help others which is why for the last 15 years I’ve enjoyed a successful career in Mortgage Lending. Whether I’m helping families purchase their first home, their next home or assisting them with a refinance to consolidate debts, save money each month or shorten the term of their loan, I get great satisfaction knowing that I am improving the lives of my friends and clients.

I enjoy meeting with my clients in person, usually in my office or at their home, and explaining the entire mortgage process to them. During our first conversation I find out what is important to my clients and what goals they are trying to achieve. With this information in mind, I compare and contrast different loan programs side-by-side so that my clients have the information necessary so they can make the best decisions for their family’s short and long-term financial futures.

At Guaranteed Rate I have the investors, the loan programs, the technology and the support team to help my clients find the best loan possible. Call me today and let me help you achieve your dreams so I can achieve mine.

Marcus interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I've been in the Mortgage Industry for 14 years. The reason I chose mortgage lending as a career is because I get great satisfaction from helping others. Whether I am helping families purchase their new home, their next home or assisting them with refinancing their current loan to improve their financial outlook, I feel a great sense of pride knowing my clients have given me their trust to find them a mortgage that best fits their needs.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
A very common question I get from my clients is, "why would I choose an Adjustable Rate Mortgage over a Fixed?" To properly answer this question for my clients I take the time to meet with my clients and ask them questions about their comfort levels, their lifestyle, how long they plan on living at their property, do they have children, how old, when do they plan on retiring and many other questions. Having these answers, I then use my cutting-edge technology that compares Fixed Rate Mortgage programs versus Adjustable Rate Mortgage programs. My licensed software compares these loans, side-by-side over a monthly period, a five-year period and even over a fifteen year period in order to see the costs and savings of each loan program. With this information, as well as with the information acquired from the questions I asked, my clients can then answer for themselves which loan program will best serve their needs as they work towards accomplishing their short and long-term financial goals. I believe in providing my clients with as much relevant information as necessary so they can make the best decisions for their family's financial future.
What part of the home loan process do customers find most difficult and how do you help them through it?
I believe most clients find the documentation requirements the most difficult. After the Mortgage Crisis, lending guidelines required more documentation to prove one's ability to re-pay their mortgage. I provide my clients with Borrower Checklists and Media Articles explaining the items that are now required for mortgage lending. I have found that if I share with my clients the items that will be required and the reasons why they are requested upfront, then it makes the documentation process much more palatable for my clients.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
When I'm not helping my clients with their home mortgage needs I enjoy spending time with my wife Teresa of 15 years and our 3 children ages 13, 11 and 9. As a family we enjoy attending and volunteering at our church. We are also a baseball and softball family. Many of our weekends are spent on the fields watching our kids compete in league and tournament play. If I'm not at my office or with my clients, I'll be enjoying my time with my family.

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