FAQs
- What should the customer know about your pricing (e.g., discounts, fees)?
There's no charge to talk to me and no cost to get pre-approved — I'd rather you know exactly where you stand before you spend a dollar. A mortgage has three moving parts: your interest rate, third-party closing costs, and lender fees. I lay all of it out for you in plain English on a written Loan Estimate so you can see every number, not just the rate. As a mini-correspondent I can shop your loan across multiple investors to find the best fit, and for qualifying buyers I work with down payment assistance programs that can dramatically lower what you bring to the table. How I'm paid is fully disclosed in your loan documents — no surprises, ever.
- What is your typical process for working with a new customer?
It starts with a real conversation about where you are and where you want to go — not a sales pitch. From there I'll get you properly pre-approved (reviewing credit, income, and assets) so we know your true buying power and which programs fit, including any down payment assistance you may qualify for. Once you're shopping, I coordinate directly with your real estate agent so nothing falls through the cracks — and because my wife Kristin is a Compass agent, many of my clients get a fully connected home-buying experience under one roof. After you're under contract, my processor Heather and I keep you updated at every step through underwriting and all the way to the closing table. You'll always know what's happening and what's next.
- What education and/or training do you have that relates to your work?
I'm a licensed Mortgage Loan Originator (NMLS #2044646) and a licensed Texas real estate agent (TREC #650614) — being dual-licensed means I understand both sides of every transaction, which is rare. I've spent 7 years in mortgage origination and 13 years in Texas real estate. I maintain ongoing continuing education to stay current on programs and guidelines, and I've developed real depth in down payment assistance (TSAHC, Chenoa, Cardinal Elite) and tools like the Mortgage Credit Certificate that most buyers don't even know exist.