1. One of the world's most inspiring sites, Niagara Falls is a set of three massive waterfalls located on the border the United States and Canada.  Niagara Falls is not renowned only for its beauty.  The Falls are a valuable source of hydroelectric power for both Ontario and New York.  A popular tourist destination for over a century, people still marvel at this natural wonder. The study of geological phenomenon like the Niagara Falls, with their systems, formations and power, has been a great source of inspiration for me.  My wife Rebecca and I love to explore and learn about the planet's natural occurrences.  We enjoyed Honeymooning at the Falls.  Derived from the Iroquois Indian word "Onguiaahra" Niagara means "the strait."  Straight or "honest" is how I feel toward my business dealings in the mortgage industry.  For most of us, our home represents the largest liability we will incur during our lifetime.  We want to deal with an honest person.  I excel as a home lending professional and my commitment to my clients' home finances is unparalleled.  The loan process has traditionally been a "seat-of-your-pants" process with very few checks and balances to prevent important issues from slipping through the cracks.  For this reason I joined forces with Legacy Mortgage Services, Inc.  Legacy has developed dozens of proprietary systems, forms, and programs that makes the loan process infinitely more efficient than that of traditional leaders. 

Thus, Legacy has achieved an extraordinary reputation amongst Realtors.  The principle with which I measure my success in the service arena is one I like to call the "Wow Factor."  My sole objective as lending professional is to "Wow" my  clients with unexpected service and professionalism.  This level of commitment has made me a rising star amongst loan originators in Montgomery County.  Whether for a million dollar loan or a government loan for someone's first home, more and more Realtors, financial planners, business managers and borrowers are bringing their home financing needs to me.  They come to me for one main reason... Results.  Away from the office, I enjoy gardening, reading, watching movies, and spending time with my family.  Traveling to destinations across our beautiful country is perhaps my favorite pastime and my post lending years will be spent exploring the natural wonders of our planet.  Rebecca and I have three curious daughters: Jessica 8, Lauren 6, and Katie 4.  "The girls" love to learn, love to go places, and love people.  The family goal is to visit every Major League baseball park in America before the girls graduate high school.  Making friends is a love for both Rebecca and I, and is the center of how we raise our family and conduct our business; so for you next real estate financial transaction, call me and let a friend take care of it!

                    

1. Helping military service members into a home:

As a Mortgage Consultant I advise my clients on the most effective ways to use a mortgage to reach their goals?  Because of our community, the VA home loan is a big part of my practice and it has helped many families get into a home with no money down. I believe every military service member and veteran should be aware of his/her VA benefits.  Furthermore, I would like to guide you through the loan process and help you into a home using your VA benefit.

Most people have two questions they want answered concerning their VA home loan benefit.  What does the VA do and can I get a VA loan to buy a house?

The VA does not actually lend money.  They guarantee to the lender that should a borrower default on a loan the VA will compensate the lender; thus, making lenders more confident to lend money at lower interest rates.   This program as of May 2006, has issued more than 18 million VA home loan guarantees.  Today, qualified veterans and active duty military in the Clarksville area can obtain a loan of up to $417,000 with no money down.

To qualify for VA home loan benefits a person has to meet minimum service time requirements (typical 2 years for veterans and 6 months for active duty), pass a minor credit review and show the ability to pay the monthly mortgage payment.  The VA wants to see stability in a person's income and credit history over the last two years.

If you meet the minimum service time requirement and have had a stable work and credit history over the past two year there is a very good chance you will qualify for a VA home loan.

2. Helping people into their first home: 

The great thing about the VA loan is that I get to work with a lot of first time home buyers.  There is nothing more rewarding in the mortgage business than helping someone purchase their first home.  The commissions are typically smaller but the satisfaction of helping first time home buyers is priceless.  Their are a lot of firsts envolved in these transactions and the support I give my clients makes it easier to solidify a genuine relationship.  My clients know they mean more to me than a transaction, I see my clients as friends.  Getting to the closing table can be a logistical nightmare.  There is more going on behind the scenes then my clients really care to know.  Documents are being verified, money is being wired, schedules are being altered, etc.  So, my client know I have their best interest at heart.  So, when everything comes together the actual signing tends to be smooth and my client are happy.

"In a world that has become very technical, we have become dependant on voice mail and caller ID.  While these devices do make it more efficient to do business, it has created an unfortunate result of individuals screening their calls to avoid certain situations.  Who am I to judge the importance of a phone call before I have answered it?  If you take the time to call me you must have a reason.  I assure you, I will do my best to answer the phone at the time of your call.  If an occasion arises in which I am unavailable, I update my voice mail daily and will call you back in a reasonable amount of time.   I extend this courtesy in which you deserve, because I know the people with whom I choose to do business will show me this same respect."

Good Faith Guarantee

A Good Faith Estimate is the foundation of the application.    A mortgage consultant is responsible for providing accurate information and making sure the client knows how much to bring to the closing table.  I want my client confident knowing the deal will not change at the last minute.  Thus, excluding items beyond my control I promise the HUD 1 Closing Statement my client sees at the closing table will be within 10% of the Good Faith Estimate my client receives upon application.  If not, I will personally pay the difference. 

Client Service Guarantee

At Legacy we are proud to serve our clients and we want them to have a memorable real estate transaction.  Client service is a quality every employee believes is important to the Legacy Experience.  I am so confident in the respect our team shows to our clients I will make a personal guarantee.  Should any client feel the service received was inadequate I will personally refund the processing fee.

Quotes:

"If you always tell the truth, you never have to remember anything."  unknown

"Believe it or not."   Robert Ripley

"Nothing great was ever achieved without enthusiasm."   Ralph Waldo Emerson

"Any customer can have a car painted any colour that he wants so long as it is black."   Henry Ford

"I am the greatest."   Muhammad Ali

"Remember the Alamo."   Sidney Sherman

"I have nothing to offer but blood, toil, tears, and sweat."   Winston Churchill

"You can't separate peace from freedom because no one can be at peace unless he has his freedom."   Malcolm X

"He can run.  But he can't hide."   Joe Louis

"I now begin the journey that will lead me into the sunset of my life.   Ronald Reagan