Michelle Mathews-Kalinock

Branch Manager/VP of Mortgage Lending

175 Admiral Cochrane Drive, Suite 402 & 403, Annapolis, MD 21401
Contact Michelle
NMLS: 195916

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Michelle interview Q&A

What are the top 3 misconceptions people have about the home loan process?
Getting a mortgage is painful. Yes you do need to provide your paperwork, but if you have document list upfront day 1, and a Loan officer that communicates updates, it can be a simple process If I have credit issues I won't be able to obtain a mortgage and buy or refinance my home. We have credit tools to help and offer Government loans which allow for lower scores. I need 20% down payment. Not true, there are many programs available including grants, 1st time home buyer programs and as little as 3% down payment.
What provides you with the most satisfaction in your job as a Loan Officer?
Providing Peace of Mind to my clients is paramount to me in career. Setting expectations for documents, timelines and communicating updates is crucial to delivering on that com-mitment.
Tell us something that makes you unique or something wacky, yet interesting about you?
I am not a strong swimmer. A really big challenge that I over-came by becoming a certified Scuba Diver which involved div-ing classes and tests with the PADI certification. I grew up in a military family and learned from my father focus, perseverance and commitment. focus, perseverance, and commitment.

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