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Mickey Hellman

VP of Mortgage Lending
809 De La Vina St , Santa Barbara, CA 93101
Contact Mickey
NMLS: 244724
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Mickey interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
26 years and I always wanted to get into business and real estate
Who is your typical customer and what questions do they typically have?
Home buyers who are typically looking to move up or are military buyers.
How long have you been in the mortgage business? What awards have you won?
26 years and I do not keep awards, as I feel that if I do well for my clients, that’s all I care about!
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
ARM has a lower rate for a short period of time, whereas the fixed will not change for the life of the loan. Hard to argue with a fixed rate at the levels of rates we currently have, but I always give the clients a choice.
What advice would you give new or first time home buyers?
To make sure they are comfortable with the payments as it is stressful to worry about your first mortgage payment all the time.
Tell us about a mortgage product that consumers may not be aware of?
Second mortgages can be for a very short period of time, does not have to be a HELOC. Typically they are much better rates and a heck of way to get out of debt fast.
How has the mortgage industry changed since you started, and what would you expect in the future?
The paperwork needed to get an approval and the necessary steps to do all the way through.

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