What specific steps do you use to help your customers find the best home loan for them?
Customer service and satisfaction is the most important goal I set my sights on. In order to meet this goal I like to get to know my customers. It is important to learn exactly what they want to accomplish throughout the process of getting a mortgage. I match what my customer’s goals are, their resources and time frame with the best loan options available for them and help them make a very educated decision as to which direction to take. Whether it is purchasing a new home, investment property, second home or refinancing their current residence, my job is to provide the best loan available that will benefit my customer. I invest my time and resources into meeting all the goals we set together to get them into a new home or refinancing their current one as smoothly as possible.
What advice would you give new or first time home buyers?
Purchasing a home is a huge commitment and a very important decision. Sometimes mortgages can be confusing and a bit intimidating with all of the numbers that get thrown around. I would recommend any home buyer to do as much research as possible about the home and area they are looking to purchase. It is important to not only find the best deal you can get on any mortgage but to pay attention to who is providing you the services that you need. Whether it is a realtor or Mortgage originator like myself, find someone you’re comfortable with and has your best interest at the front of everything that they do.
What can borrowers do to insure a smooth mortgage underwriting process?
A lot of people tend to think that a obtaining a mortgage can be a hassle. And honestly, sometimes it can be a bit scary. However, it does not have to be. Before becoming a Vice President of Mortgage Lending, my entire job was to process all types of loans and prepare them for a smooth ride through the underwriting process. There are a few small but important tips borrowers can take with them to ensure that things go as smoothly as possible. 1) Get your team the right documents. Communicate with your lender about what documents will be needed and provide those to them in a timely manner. 2) Stay in touch. Asking questions and staying in the loop keeps everyone educated and up to date in the process. 3) Trust your team. After providing all of the documentation needed and staying in the loop, let your team do their job in order to obtain the results you want!
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up on the West side of the state and graduated from Whitehall, MI. After graduating from High School I Played one year of Junior college baseball in Muskegon, MI. I was on my way to transfer to Oakland University and had a change of plans. I had always wanted to serve in the military and after my freshman year of college, that is what I did. I enlisted in October of 2006 into the U.S. Army. By November I was in Ft. Benning, GA. going through Infantry basic training. I graduated in April of 2007 as the platoon honor graduate of that training cycle. A few short months later I was on my first tour of duty in Baghdad, Iraq from 2007 – 2008. Due to an injury my deployment was cut short. After rehab, I went through a selection and training process and made it into a Long Range Surveillance Special Operations group based out of Michigan and deployed again from 2009 -2010 to all parts of Northern Iraq. I spent 6 years total in the Army and loved every second of it. When my time came to re-enlist I found myself chasing other business opportunities and that ride took me all around the country. From Seattle, WA. To Virginia Beach, VA. While in Virginia I worked for a Real Estate developer and managed and sold homes in a community they were building. Due to a family emergency I moved back home to Michigan and have been here ever since.
What provides you with the most satisfaction in your job as a Loan Officer?
As a Loan Officer, to be able to help people feel accomplished and be happy at the closing table gives me the greatest satisfaction in my job. I myself have purchased two homes in my life time. Both have been turning points in my life. I can remember the feeling of joy and accomplishment as I signed the papers for my new house. That is a feeling that I want to help recreate and bring to my customers. To be able to provide a great product to a buyer and help them through the process of purchasing or refinancing their home, while building great relationships is something I genuinely enjoy.
Tell us something that makes you unique or something wacky, yet interesting about you?
Something interesting about me is that I have been on all sides of a mortgage transaction. Not only have I been the buyer, I’ve been the seller TOO!! I used to work with mortgage loan officers like myself in Virginia as a seller for a developer to get people financed for their new homes. In addition to originating loans, I started my career in the mortgage industry as a mortgage processor. This makes me pretty unique in the field. I know every angle and have been in many rolls in this industry which helps me identify with all parties and give me a unique advantage when it comes to getting the deal done!