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Travis Lang

VP of Mortgage Lending
311 North Washington Street, Bismarck, ND 58501
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NMLS: 491580
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Travis interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the business since 06/2009. Being able to help people reach their goals and dreams is what inspired me.
Who is your typical customer and what questions do they typically have?
My typical customer is first time home buyers. They typically ask "how does the process work" and "how do we get me a house".
What specific steps do you use to help your customers find the best home loan for them?
I make sure we go through a full application and make it air tight. I go over every option and asking them how long they plan on keeping the home to determine what is their best route for long term success.
How long have you been in the mortgage business? What awards have you won?
Since 6/2009. I got awarded top producer in 2014 and 2016 at my previous employer for the whole bank. I was awarded top producer at NDHFA for the most first time home buyer loans in 2016.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Pros for fixed is client knows their P&I wont ever change and payment will stay consistent. ARM is good if client only plans on keeping the house for a short term basis only.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
Many first time home buyers do not know how to get their paperwork so working with to get it in a very timely fashion with many moving parts is always a great success.
What advice would you give new or first time home buyers?
To have their checklist of paperwork ready to hand their loan officer to make the process run smoother and always be speedy if the loan officer needs more items during the process.
Tell us about a mortgage product that consumers may not be aware of?
NDHFA first home program.
How has the mortgage industry changed since you started, and what would you expect in the future?
I came right at the crazy time so I would say not much other then in the recent last year seems to get more products and options to offer clients.
What part of the home loan process do customers find most difficult and how do you help them through it?
Getting their checklist, all scanned in or printed off. I offer to print and or pull it up with them at my office of have their companies scan it to them.
What are the top 3 misconceptions people have about the home loan process?
It takes 2 months, I need a large down payment, I need a good credit score.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
The NDHFA online first time buyer training.
What can borrowers do to insure a smooth mortgage underwriting process?
Be speedy with their responses and keep all info the same.
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?
Be speedy with their responses and keep all info the same.
Are you active in any fundraising organizations? What goals and/or success have you helped them achieve?
At the moment I am not but will be soon.
Summary of where you grew up: family, affiliations, college, high school, etc.
Grew up in Bismarck, ND. I graduated Bismarck High School in 2004. Went to college at University of Minnesota for 3 years and then finished my bachelor’s degree at Augsburg College in 2009. I also wrestled all through college and was a 2x College All-American placing 5th twice at NCAA national Tournament.
What provides you with the most satisfaction in your job as a Loan Officer?
Seeing my clients happiness at the closing day.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Spending time with my fiancé and daughter. Going on Vacations, boating and spending time with friends. Coaching my wrestling team and youth wrestling program.

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