How long have you been in the mortgage business and what inspired you to get into it?
Like most people, I got into the mortgage business almost by accident in 1991. I had a friend that was in the business that worked for a very successful Loan Officer so I had some insight into what it entailed. I like a challenge and it sounded challenging.
Who is your typical customer and what questions do they typically have?
My typical customer ranges from a first-time home buyer buying their first place and is scared to death, to a seasoned pro who is buying a multi-million dollar home and just wants someone to make it easy. The most common three questions are: 1. How much do I qualify for? 2. How much is my payment? and 3. How much cash do I have to come up with?
What specific steps do you use to help your customers find the best home loan for them?
We have a pretty basic loan consultation where we talk about what is most important to them in regards to payment, assets and minimizing interest expense.
How long have you been in the mortgage business? What awards have you won?
In the 25+ years I have been in the business, I have been recognized at every company I worked for as a Top Producer. I think this is because I focus on the customer's needs above my own.
What advice would you give new or first time home buyers?
Sit down with a Loan Officer if you can and ask yourself if you feel this person has your best interests at heart. It's hard to do this over the phone. Find out if they are knowledgeable about all the many loan programs available, and if their company offers them. Many lenders will try to steer you towards only the ones they offer.
What part of the home loan process do customers find most difficult and how do you help them through it?
80% of the problems occur in the first 20% of the process. Make sure you fill out a complete loan application and provide all of the required information to the lender within 48 hours. People that drag their feet getting the documentation back to the lender set themselves up for potential challenges down the road.
What provides you with the most satisfaction in your job as a Loan Officer?
I love making a difference in peoples lives, and get to do this every time we close a loan for somebody. I did a loan for a Veteran that had raised his family in rental housing because he thought you had to put 20% down. A year after we closed his loan he came back to do a refinance. He jokingly said that because of me, he now has a Home Depot credit card. You should have seen the pride of ownership in his face!
Tell us something that makes you unique or something wacky, yet interesting about you?
I was adopted and met my birth mother as an adult. It was one of the scariest things I've ever done. That was over 14 years ago and we still stay in touch today. I'm very blessed to have two Moms!