I have been in the financial field most of my adult life. I started in insurance and securities and in 1991 the regional insurance office that I worked for offered me a position to move from Dallas to Denver to open up their 5 state western region for a specialized insurance product that they were offering to the civilian members of the American Federation of Government Employees labor union. We moved here when our son was 6 months over Memorial weekend of 1995. We got settled in and began the process of developing & expanding their presence here in this region. Everything was going great until our contact person here in Colorado that made the introductions to the local unions decided he wanted to run for a higher office and stopped the introductions that were necessary to do the job. Everything came to a halt and I had to figure out how support my young family. My wife had taught for several years before we moved here and was not licensed here in Colorado to teach and we made the decision to have her stay at home with our kids & have me be the bread winner.
With all the disruption that happened, I had to find a way to support my family. I responded to a newspaper ad for a mortgage loan office position and thus began my journey to where I am today. Over the last 22 or so years, I learned what the right way to do things was and saw a lot of wrong ways being done at the early companies I worked for. I asked myself when I saw something that was not correct if that is how I would want to be treated. The answer was always a definite “no”. I experienced the financial meltdown in 2007 & 2008 and saw many companies go out of business. The CFPB initiated licensing for mortgage loan officers and that weeded out a lot of those who were in this business for the wrong reason. Since that time, I have enjoyed working with my clients to assist with their home purchases or refinances & continue to do so. My position with American Dream Mortgage was modified last year to not only do loans for my clients but to assist a dozen or so loan officers become better in all aspects of the business by giving them guidance on how to structure a loan, to understand the quirks of various loan programs and how to qualify a borrower for their specific transaction. This has been really rewarding to help my coworkers succeed.
I have been married for 28 years and my wife & I have three children. My wife works for JeffCo Schools & is the enrollment secretary at Dunston Middle School in Lakewood, CO. Our oldest son is Matt, 25, and just got married in Florida. Our oldest daughter is Anne, 22, and will be graduating from the University of Colorado at Colorado Springs on May 15th, 2020. Our youngest daughter is Sarah & she is 21. She is currently taking a break from school as she is trying to decide on a career path that is suitable for her.
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Frequently Asked Questions
The total number of properties you may look at will depend on several factors, such as your budget and the housing availability in your area. In general, real estate agents recommend that homebuyers look at several properties before making a decision, but there is not an exact number. Most people look at 10 homes, at a minimum, so they can compare them. However, you may find the dream house with more or fewer searches.
When it comes to the best home buying tips, there are different ways to search for properties. Statistics from the National Association of REALTORS® reveal that 51 percent of buyers searched and found their homes on the internet, while 30 percent used real estate agents. Other ways to search for homes include asking friends, relatives, neighbors and homebuilders for help. A small percentage of homebuyers used newspaper advertisements and yard or open house signs to search for homes.
Although a pre-approval is not one of the required steps to buying a house, it can certainly help you stand out in a competitive market with many buyers. A pre-approval can show sellers that you’re serious and capable of getting a mortgage, so they may be more likely to accept your offer.
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