Meet the Broker
After graduating from Agnes Scott College in Decatur, Georgia, I agreed to help my sister find her first home. I loved seeing the homes, with all their individual features, but I had no desire to show them or repair them. The Realtor introduced me to my first manager and an informational interview turned into a job.
I had just graduated from college, and had the ability to earn very little and still get by financially in a career that was 100% commission. I never imagined mortgages would be my lifetime career, but 23 years later, my work always stays interesting, changes with time, stretches me to always improve my structure and service, allows me to own my own business and work out of my home, have flextime and be the best I can be for my clients in knowledge and in rates.
Over the last 23 years, I had three beautiful children, Charlotte, 7, Luke, 11, and Madeline, 13, and have enjoyed traveling the USA with my husband of 19 years, Matthew. He gave me the nickname, "Our Lady of Perpetual Travel", which I do my best to live up to since my job can, and does, go everywhere I go. I love new adventures, camping, biking, and reading whenever possible.
Mortgage Industry History
Over the last two decades, I’ve witnessed the entire overhaul of the mortgage industry. When I started in this industry at the age of twenty-two, no licensing was required for either the company or the loan officer. There was NO continuing education, absolutely NO knowledge-based testing and NO requirements to be even be registered or licensed as a loan officer.
After the overhaul started in 2009, Georgia went from having over 2500 mortgage broker companies listed with the Department of Banking and Finance to slightly under 600, and Georgia went from being #2 in the country in mortgage fraud to nearly zero. This transition is a great example of how adding licensing to an industry, an industry so crucial to the health of our economy, forces the workforce to a higher level of knowledge and professionalism. We still have a long way to go, but it is a start.
The government continues to be involved with further legislation designed to give a layer of protection to primary residence buyers. This legislation, known as TRID, began in October 2015. The most basic changes are two documents, the Loan Estimate (LE) and the Closing Disclosure (CD), be forwarded to the borrower within 3 day periods after application and before closing. It also does not allow lenders to collect any fees until the disclosures are acknowledged by the borrowers. Without your timely acknowledgement, the loan can be denied or delayed. Be sure to stay aware of what is in your inbox when applying for a mortgage.
As a Mortgage Broker, I am subject to state and national licensing laws. My license to originate means I can operate independently of a bank. A loan officer for a bank is only required to submit their name with the state. My license is NOT a bank registration number.
I have a license to originate in the mortgage brokering industry. This was obtained by passing a rigorous knowledge-based test about the mortgage industry and underwriting guidelines and continually obtain a minimum of 8 hours of continuing education every year.
While many industries have similar requirements, the mortgage industry is not uniform in its requirements. So fair warning, if you decide to seek your loan at a bank, you may end up dealing with someone registered in a processing center or a telemarketer who only gathers information, not a Licensed Mortgage Professional.
I am pleased to present these license numbers as a testament of my dedication and knowledge of the mortgage industry.
My license numbers: State of GA #19238, NMLS Company #168980, and NMLS Originator #169110
Access to Online License Search