After graduation from UNC-Wilmington in 1985 I was recruited by a fortune 500 company to work in Los Angeles. While surfing, snowboarding and taking frequent trips to Baja were fun, it was time to find the best place to raise a family. In 1993 I came back to Wilmington. The water quality, cost of living and access to all amenities allowed my four kids to enjoy a wonderful childhood. Still an active surfer, skateboarder and boater, I am glad that I made the decision to relocate back to the east coast. I have been in the mortgage industry since 1999 and through regulatory requirements the process of attaining a mortgage has changed dramatically. With years of experience and focus on customer satisfaction I comfortably navigate my customers through the lending process. Along the way, lifelong relationships have been forged with clients, Realtors, financial advisors, mortgage professionals and insurance agents. With a diverse background in lending products, I customize a mortgage to suit the immediate need. As a former Branch Manager and Sales Manager in several nationwide companies I know how to deliver product on time. The leadership and management skills I’ve developed are shared with my clients and referral partners. With strong operational support and attention to detail the level of my commitment is unsurpassed. Every borrower is different and though communication I make it a point to understand their specific needs. Listening matters. With a degree in Chemistry from UNC-Wilmington I approach each opportunity with analytics. The proper assessment of each client’s situation enables me to deliver a high level of customer service that they deserve.Get in Touch
Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!