I have worked in the mortgage business since 1998 when one of my teachers at Portland Bible College told me he was a part time loan officer. Since then I have worked for several mortgage brokers until the opportunity to open a branch office for NovaStar Home Mortgage was made available to me in 2003. I have been a branch manager since that time, responsible for as many as 15 loan originators at any given time.
My family and I recently transferred to Tennessee and I the branch manager for one of the countries fastest growing mortgage bankers. We are conveniently located about 1 -1/12 hours between the 3 major cities of East Tennessee; Knoxville, Nashville and Chattanooga.
My experiences in ministry, loan officer, branch manager has given me an exceptional base to work from to serve the needs of my clients. I like to think of myself as a "loan technician". After working on literally thousands of files I can analyze a situation; foresee potential issues that the underwriter may have with a loan and work to avoid, or resolve the problem beforehand. I have been very successful in this regard and have closed a number of loans that I do not think would have closed with many loan officers. Unfortunately, today that leads me to tell some that they cannot qualify for a loan program today, yet even then I can often prescribe plan to follow in order for them to qualify for the loan they want in as short of a time frame as possible.
The benefit of working with me goes beyond my expertise in getting loans closed. I am also very interested in creating "loyal fans" as opposed to satisfied customers. To accomplish this I will seek to engage you in the process from the very beginning. Taking the time to inform you of the process, step by step; making sure you are informed and comfortable with the direction we are headed.
I have learned that satisfied customers are pretty easy to get, don't lie to them or cheat them, while "raving fans" are harder to come by. For satisfied customers to become raving fans you must exceed their expectations, provide an experience that was less painful, more informative, and more comfortable than any other they have encountered. It is my goal to create a "raving fan" with every transaction. Raving fans cannot help but tell others about you, they want the people they care about to work with someone they know will do a good job and treat them as well as they were treated.
I am a man of faith and strive daily to live my life and conduct my affairs in a way that is pleasing to Jesus. While this often not a part of any conversations I have with my clients, and I would not be considered pushy by anyone, it does govern what I will and will not do.
I promise that if you give me the opportunity to earn your business, I will earn your loyalty.