How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage business since 2002. I enjoy working with clients and problem solving different scenarios. I love to know I had a role in helping the client achieve their American dream.
What specific steps do you use to help your customers find the best home loan for them?
I listen. Its important to listen to the client and understand their goals and concerns. Once you have an idea of what they want to achieve it's easier to target the loan program that best fits their needs. At this point I do a thorough analysis of their credit, income, and asset situation. List 3 options for the client to narrow down the right payment plan to help them achieve their goals of home ownership or refinance.
What advice would you give new or first time home buyers?
Donýt let the noise in the media and everything you read online scare you off from making one of the most important financial decisions of your life. Every client's scenario is different and it's important to have a seasoned experienced Loan Officer review your file. I've had clients who thought they would never get approved for a mortgage and I was able to put them on the right path to become a home owner. I specialize in creative financing and finding a way to make it work. There are many programs available for first time home buyers. They may not work for everyone but it's important to carefully review credit, income, assets, and most importantly listen to the clients goals to find the right program that fits their needs.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
My website and Guaranteed Rate has tons of great information available for the first time home buyer as well as the experienced borrower. There is a lot of great information found in our ýWelcome Packageý we send out to all our clients. I am also a great resource for information as I have seen almost everything with my years of originating. Please reach out to me first.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Farmington, CT and currently reside there. Attended Farmington High School graduated in 1994. I have two beautiful daughters Juliana (5), and Olivia (3). They are my pride and joy. I attended Assumption College in Worcester, MA and received a degree of Bachelor of Arts with the concentration in Business management. I am a member of the Portuguese church Our Lady of Fatima in Hartford, CT.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I'm a real estate investor and love to rehab homes in my spare time. Love the outdoors, very active in sports, play golf, love to watch football, and most importantly spending time with my daughters.
Tell us something that makes you unique or something wacky, yet interesting about you?
I was born in Portugal and came to the United States in 1976. I speak fluent Portuguese and some Spanish.