Retail Loan Officer
Retail Loan Officer
Forty years ago I began my journey in the real estate lending industry. The first ten years where spent financing commercial real estate projects and working with a government regulatory agency. During these years I earned my MBA degree with a finance concentration.
The following thirty years I have been involved in some facet of residential lending including underwriting, closing, setting rates and senior management positions. During these thirty years my goal has been consistent, to provide my clients with responsive service and help guide them to safely meet their financial goals.
It would be an honor to guide you as you begin your journey toward the American Dream of homeownership.
Just as one shoe size doesn’t fit everyone, one loan type doesn’t fit everyone’s unique financial circumstances. We take the time to thoroughly discuss your needs, goals, and financial situation to help identify a loan program to best fits your needs.
Navigating the home loan process can be scary foreign territory, but thankfully, it’s easier when there are plenty of options to choose from under the guidance of an experienced team. Take a look at all the options we offer below and see how possible — and affordable — home loan financing can be.
A conventional loan is one that is not insured or guaranteed by the federal government. These loans are often more common among customers who have purchased a house before and are in a position to meet a narrower set of qualification requirements.
Conventional loan lending guidelines require the borrower to have debt-to-income ratios and credit scores within a specified range, and the ability to show stable income.
Those who meet these qualifications and want to opt out of private mortgage insurance (PMI) can do so by putting 20% down on the home at closing, which lowers their monthly payments.
The government understands that everyone needs a place to live but that not everyone can meet the standards of a conventional loan. So, the Federal Housing Administration (FHA) insures home loans to expand homeownership opportunities to more borrowers.
These loans require the borrower to occupy the home as their primary residence. The loan amounts are capped, and the borrower is required to purchase mortgage insurance in case the home falls into foreclosure. Nonetheless, FHA loans are a great option for people who never thought they would be able to otherwise qualify for a loan.
Over two decades ago, our leaders started their journey in the mortgage industry and discovered gaps in the traditional mortgage experience. They noted that customers weren’t getting the best care possible because of unclear and outdated processes that interfered with transparency and communication.
As they navigated varying cycles typical to the mortgage industry, worked for large brands, and gained valuable experience through events like the 2008 financial crisis, they grew their reputation and found that customer service is what resonated with customers the most.
Years later, they came together to establish Mission Loans — the industry’s missing piece. Mission Loans is on a mission to master the customer experience of the mortgage process. Our goal is to be more customer-centric than any mortgage company in the country.
Mission Loans is customer-centric, and that sets us apart from our competitors. This means everything we do is done with the customer’s best interest in mind. We assess your needs, identify the right product for you, and close quickly. We strive to meet your financing needs without the pressure of the fluff.
We don’t conform to antiquated norms in the loan process — we think bigger than that, and that’s what sets us apart. Our innovative, creative minds, ambitious spirits, and top-notch customer service are helping us climb the ladder to becoming the top mortgage company in the nation.
The world is using technology for practically every aspect of life, so why shouldn’t it apply to the mortgage process as well? Many mortgage companies struggle to make use of all the technology available to them, but we use it to automate tedious manual processes so we can focus on what matters most — building a relationship with customers like you.
As a company, we play hard so we can work even harder. Our team of winners knows that failure is not an option when it comes to our customers. At Mission Loans, there’s no drama or half-baked efforts — only hustle to deliver the most legendary experience in the industry. We win every day in finding loans that suit the needs of each of our customers.
Mission Loans isn’t satisfied with the status quo of the mortgage industry. It’s old, inefficient, and it doesn’t benefit the homebuyer. We’ve put our innovation caps on to come up with new ways to make the process simpler, less stressful, and easier to understand.
We hire customer-centric people, which translates to a deeply caring company culture of team members who want to make a positive impact for all. Homeownership and home loan financing are big steps, and we want to see you win. We take pride in our social partnerships and giving back to our communities so that when you’re winning your community is winning as well.