In 2004, I walked away from an executive position in the food distribution industry to help people understand and secure financing for real estate. Back then, there were so many dishonest people in the mortgage industry that I knew putting my clients’ needs first would allow us both to succeed. Honesty earns trust, and my clients trust me to do the right things for them. That’s why I still originate mortgages today despite the wacky changes in this industry over the past decade.
It is especially rewarding for me to help first time homebuyers. I cannot describe how wonderful it is for me to be a positive part of my clients’ home buying experience. It is about helping them, but I would not enjoy it so much if it did not make me feel good about what I do every day. Of course, I help my clients purchase other properties and refinance too. I want to help my first time homebuyers to accomplish their goals after that first purchase. It may be a refinance or buying a bigger house, a second home, or an investment property. I give a lifetime commitment to my clients.
I value quality over quantity. My clients receive 100% of my focus and efforts, and I will never take on so many clients at one time that this business philosophy will ever change. Other loan originators may need to build huge teams of secondary loan originators and assistants to help manage their business. These people measure success by their income and the number of sales awards they receive from their companies and peers in the industry. My preference is to ensure that my time is spent on my clients and knowing about the constant changes in loan guidelines and products, not building new business. As I take great care of my clients, I receive enough new business from referrals that I do not need to actively market myself. That leaves me with more time for my clients.
GEM Mortgage, Golden Empire Mortgage, is a privately-owned mortgage company that understands my need to offer first time home buyer programs. GEM is unusual in this regard as most large mortgage companies avoid this segment because the revenues on first time homebuyer loans are lower and the expenses tend to be higher. GEM offers a wide portfolio of other mortgage products as well. Together, GEM and I can help you accomplish your home ownership goals.