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Ryan Carpel

Mortgage Associate
1800 W Cuyler Ave, 2W, Chicago, IL 60613
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NMLS: 1480728
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Ryan interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I started in the mortgage business in 2016 - I was inspired by helping homeowners to lower their bills.
Who is your typical customer and what questions do they typically have?
A borrower that needs to refinance for a lower rate or a home buyer looking to lock-in a great financing for their family.
What specific steps do you use to help your customers find the best home loan for them?
I search 90+ investors to ensure my clients are getting the best deal possible.
How long have you been in the mortgage business? What awards have you won?
I have been in the industry since 2016.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Fixed mortgage allows the borrower the ability to lock-in long-term. An ARM allows my clients to get the lowest interest for a shorter duration- lowering their immediate monthly bills.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
All transactions have their unique issues. Overall, I stay in constant contact with my clients to ensure all their needs are being satisfied.
What advice would you give new or first time home buyers?
Make sure you are buying a home that's in a good location. I'd also say rates are incredibly low, lock in a 30-year fixed.
Are you active in any fundraising organizations? What goals and/or success have you helped them achieve?
For the past few years I have been raising money for the Leukemia and Lymphoma Society.

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