|Mortgage and Lending
|Ozarks Home Loan Professional
|location_on Springfield, MO — NMLS#232975
|web Ozarks Mortgage Professional
As a Senior Loan Officer I have worked with first time home buyers as well as Presidents of Companies. No matter who they are or what position they hold I continue to strive to meet customer expectations. I simply set the groundwork by explaining the process from application to closing. By keeping all parties informed throughout the process then there are no surprises at the closing table. Life in general can be stressful enough and this is one of the biggest investments a buyer will have in their life time. I offer FHA, VA, Conventional (conforming), Jumbo (non-conforming) and 100% USDA.
I prefer face-to-face applications in my office or the Realtors office.
With over 30 years in the Mortgage Banking and the Mortgage Broker Industry I can say that I have a thorough understanding of the process. I have seen just about every market there is and it always runs in a cycle good and bad. I have processed loans from origination of the application, gathered all documentation, processed them and have personally attended my closings. My background includes Management of Branches, Management of a Processing and Closing Center that covered nine states and was also one of Tulsa, Oklahoma's first Mortgage Broker Companies. I always enjoy being on the cutting edge of things.
The last two years I have worked as Branch Manager and Vice President for a local Title Company. As a Closing Agent my responsibilities were preparing Title Commitments; preparing the HUD-1 (Settlement Statement) working with Realtors, Lenders and helping the homeowner understand the closing documents before signing. The job didn't end there I also prepared Final policies after the closing. I hold a Missouri Producers License to process Title work and handle Lender closings as well as a Notary for the State of Missouri. I earned a certificate from HUD as a Certified Credit Analyst I for underwriting FHA loans. I have several certificates from HUD classes.
After the recession hit and the Title Company I worked for closed I decided that I wanted to get back to my ROOTS in Mortgage Banking so I searched for a Company that I thought had all the right stuff. I'm here to tell you it's hard to find. Working for a Company that gets the job done in an efficient, effective and timely manner!
These are the TOP SEVEN REASONSThe software is web-based. What that means for you is I can be at home in the evening or weekend and can take your application, pull credit and run the file through DU for automatic underwriting. I don't have to be in the office. I know the status of the file at all times. In-House processing with a team of processors working for you. In-House underwriting. No more waiting for long turn times with a Team assigned to assist you all the way. Any questions - I can get instant access. We fund our own loans. We draw our own closing documents. Fees are lower therefore saving the customer on closing costs.
If you want to be serviced, get things done right and on time then you've come to the right Company and person.
With over 30 years in the Mortgage Banking and Mortgage Broker Industry I can say that I have a thorough understanding of the process. Let me help you have a pleasant experience.