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Rob and Jill Garrison

Married to Mortgages: Jill Garrison’s Perspective

Rob Garrison has been in the mortgage business for 25 years. His wife, Jill, has been by his side for every transaction, milestone, achievement, and celebration.

She truly is his biggest cheerleader.

Rob and Jill Garrison“Working together is one of the best parts of my life,” Jill said. “Rob has such a zest for life, for learning and improving and inspiring others to believe in themselves and their dreams. His growth mindset coupled with his ability to be so present is a gift to me, as it is to our family and our Michigan Mortgage team and our Realtor partners.”

“I love how much he himself gets inspired and excited about working with his amazing team. We both kind of think of ourselves as the Mom and Dad to these amazing humans that we get to work with and have fun with each day.”

At Michigan Mortgage, the work is never done. Rob works nights and weekends to help his clients achieve the American Dream. His cell phone is never far from his hip – he is happy to educate and serve at all times of the day.

We believe his communication and commitment to our mission has helped him guide more than 5,000 clients home.

Rob gets excited about every single client that he and his team have the privilege to serve,” Jill said. “Underlying each mortgage, he has a deep belief that having a home is a foundation that family and security is built on. I think his knowledge and integrity along with his willingness to go to bat and dig deep for each of his clients sets him apart and is the reason he has built such a wonderful, loyal following.”

Rob and Dave have built something really special here at Michigan Mortgage. Jill is the first to recognize the accomplishment and celebrate the achievement. She is so proud of her husband!

“I am proud of Rob for many things looking back on the 25 years he and Dave have been building Michigan Mortgage,” Jill said. “Rob has such a strong desire to make Michigan Mortgage a workplace that provides an incredibly supportive and empowering environment. Maybe more importantly, he is driven to make Michigan Mortgage a place that spills over into our employee’s lives…in a way that enhances their lives at home, with their families, and in the community.”

“I am probably most proud of the team that they have built over the years,” she said. “We seriously have the most amazing humans that come to work with such exuberance, commitment, and enthusiasm for what they do. They all work so hard, are committed to excellence, positivity and serving our clients so that they have an exceptional experience. So, the culture that they have built and continues to grow and cultivate is extraordinary and extra special.”

Thomas Siuda

Success Story: Thomas Siuda

Change is hard – change following a national pandemic is even harder.

Thomas and his children set out to purchase a new home earlier this year following his divorce. COVID-19 and low interest rates made it more difficult than expected.

Inventory was extremely low and offers faced unprecedented competition, but Dave Lehner and his team at Michigan Mortgage were ready to help guide Thomas as soon as he found the right home.

“I made offers on four homes during my search,” Thomas said. “I missed out on each one, but that was in no way a reflection of Dave and his team. In each of these offers I made, I had estimates of what my closing costs and monthly payments would be.”

Thomas SiudaAfter four rejected offers, an offer was accepted, and Dave and his team went to work.

“The purchase itself was very simple due to the expert advice and team that I was working with,” Thomas said. “I had no hiccups along the way.”

“Right from the start, Jill was great to work with and set the tone for the entire process,” he said. “Everyone that I came in contact with from Dave’s team was friendly, easy to work with and was truly happy that my three kids and I found a home that we love.”

“Everyone from Dave to Jill to the entire team was welcoming, helpful and made my experience truly seamless.  It was simple and easy to follow what I needed to do and when.”

With the help of Pro Snap, most of the work was done via cell phone. Thomas applied via the app, securely scanned and uploaded the necessary documents and communicated with Team Lehner whenever needed.

“I enjoyed the whole experience from beginning to end,” Thomas said. “I was actually a little sad when I closed. I knew I would miss the communication with the team at Michigan Mortgage, but I did receive congratulations from everyone on our home.”

Thank you for trusting us to guide you home, Thomas! We enjoyed working with you.

Kitchen

The Cost of Selling Your Home Yourself

It sounds easy, doesn’t it, selling your house on your own.

How hard can it be, right? Clean up the yard, take a few pictures, list the house on Zillow, then wait for the offers to roll in.

You’ve heard that houses are selling like hotcakes these days. If you sell by owner, you figure you can keep all the proceeds yourself. Money for nothin’…

The only hard part might be the paperwork at the end. But you presume there’s a website that takes care of all that.

It all sounds so easy, right?  Maybe not.

KitchenAs with anything, the devil is in the details. There are costs involved, along with the risk that you might shortchange yourself by not getting top dollar for your home.

Thinking of selling by owner? Here are some realities to be aware of.

Selling a Home by Owner Is Not Free and Easy

Selling a house by owner does not come without its costs. Among the financial costs many sell-by-owners don’t anticipate are the following.

Escrow fees: Escrow fees cover property taxes paid in advance to the lender that are held  in escrow. Escrow fees are usually split between the buyer and seller. They generally equate to 1% to 2% of the final selling price.

Title fees: These include a title search to verify the seller actually owns the property being sold and that there are not any conflicting liens on the property. Title fees can range from $300 to $1,500.

Reconveyance fees: Once your mortgage is paid off, you need to obtain a reconveyance deed to prove it. The cost for this can range from $50 to $65.

Recording fees: After obtaining a reconveyance deed, the transaction is recorded so it becomes a matter of public record. Recording fees are generally charged by the county where the transaction takes place, since the county maintains records of all property purchases and sales.  Recording fee costs differ from county to county. The national average for recording fees is $125, according to the Home Buying Institute.

Transfer taxes: These taxes are imposed by the city, county, or state to transfer title and register change ownership of the property. They are either calculated as a percentage of the sales price or as a flat fee. In Michigan, the transfer tax rate, as written into law, “is levied at the rate of $3.75 for each $500.00 or fraction of $500.00 of the total value of the property being transferred.” On a $250,000 home, the transfer tax is $1,875.

Attorney fees: If you have an attorney represent you at closing, you’ll pay for the attorney fees. They attorney may charge by the hour or they may charge a flat fee for a specific set of document preparation or review services.

Seller concessions: Seller concessions are closing costs the seller agrees to pay. They can make a home more affordable for the buyer, and they can help the seller close the deal. These concessions are negotiated between the two parties. On some loan types, there’s a cap on seller concessions. For example, on FHA loans, seller concessions are limited to six percent of the sale price of the home.

Mortgage pay off: As part of the sale, sellers must pay off the remainder of the loan on their home.

Holding costs: As the seller, you will pay holding costs (also called carrying costs), in between the time you accept an offer and the sale closes. You will continue to pay the monthly mortgage payment, taxes, insurance, association dues and utility bills during that time.

Other Potential Costs

In addition to the costs above, other possible costs involved in selling your home include:

Home appraisal: To determine the right selling price, some sellers hire an appraiser to determine the home’s fair market value. The national average for an appraisal is $355.

Multiple listing service (MLS) listing fee: MLS is the listing service professional realtors use, but anyone can list a home there. MLS will syndicate your listing to the major online listing sites. Fees for listing on MLS range from $50 to $500.

Professional listing photos: You might think you can get professional photos on your cell phone, but let’s be honest, you can’t. If you hire a professional real estate photographer to take photos and videos of your home, expect to pay several hundred dollars.

Advertising. Yard signs and a free listing on Craigslist sound great, but to reach a broad audience you’d need to run ads elsewhere. Expect to pay upwards of $200 for a month or two of ads on social media sites. Add in a few more dollars for posters or brochures.

Pre-listing home inspection. A pre-listing home inspection can give buyers confidence. Expect to pay upwards of $400 for an inspection.

Property survey. Again, to help reassure buyers, some sellers get a property survey. The national average for a survey is $550.

Open house expenses. If you decide to hold open houses to show off your home and generate foot traffic, there are costs related to promoting the open house, providing food and drinks (optional) and possibly staging the open house. There’s also the cost of your time to host the event.

Staging. Sellers in some markets hire professional stagers to make their house look the best it can be. Professionals are pricey, charging several thousand dollars. Even if you stage it yourself, there are costs associated with new furniture and other decorations.

The Biggest Risk: Shortchanging Yourself

The biggest hidden cost of selling by yourself is the risk of not pricing your home correctly or not getting as much as you can, especially in today’s competitive market.

Statistics from the National Association of Realtors indicate that For Sale By Owner homes sell for 11% less than homes sold by agents. Similarly, an analysis by the real estate technology firm HomeLight shows that top real estate agents help sellers get 10% more for their homes than average. 

If you are selling by yourself to save a few percentage points in Realtor fees, but you end up getting ten percent less for the house, where’s the financial wisdom in that?

The Value of a Realtor

We work with Realtors on a daily basis and know the value they provide.

Realtors help ensure sellers get top dollar for their homes. They also make sure the seller’s interests are protected. Realtors know experts in the industry like appraisers, surveyors, title companies, attorneys and more. They also get more foot traffic to the home. People often forget that agents work with other agents in their office who represent buyers and can get dozens if not hundreds of showings to a house in a matter of days.

If you need a Realtor referral, don’t hesitate to reach out. We work with some of the best in West Michigan.

This blog post was written by experts at Mortgage 1 and originally appeared on www.mortgageone.com. Michigan Mortgage is a DBA of Mortgage 1. 

Rob and Dave

Celebrating 25 Years of Success in the Business

When Dave Lehner and Rob Garrison teamed up to service West Michigan’s mortgage needs 25 years ago, they developed a plan to be the best in the business.

Their goal: focus on customer service to build trust with borrowers and business partners.

We dug through our archives and found the “How to Obtain Business” plan Dave created in 1994. It is safe to say they achieved their goal and so much more.

Rob and DaveHere are a few excerpts from the plan that highlight exactly who Rob and Dave are as Mortgage Lenders and Leaders.

Service: Service is the most important tool you will have. By taking care of the people that are using you, you will build a trust. Letting them know that when you say or set an appointment you will be there.

Returned Phone Calls and Pages: This goes along with service. When you are just starting out in the business, you must “Break Through.” One of the ways to break through is to call the person RIGHT BACK within 15 minutes! It doesn’t matter what it is regarding – always call back.

People Buying from People: Do not try to be a salesperson. Relax and be yourself. You do not have to always talk about work

Habit: They say it takes 90 days to make something a habit. If you keep going every day, even though at times it is very frustrating, you will notice that things will start happening. You must have faith, desire, and commitment. “Thick skin” is essential in this business. You have got to put your fears or emotions away! It takes four no’s to get one yes, so every time someone tells you “no” you’re that much closer to a “yes.”

Salesmanship: This is a tough thing to teach. You are not going to know everything in this business. Some people think they have to know everything before they can talk to a customer because they are afraid they will be embarrassed. Just get in there and get the deal, you will learn as you go. Being a good salesperson (not a liar) has to do with being sincere and truthful. Do not try to be a chameleon changing your colors to fit in, people will see right through you and will not trust you. It takes time and understanding of people. Always try to remember to put yourself in their shoes when you are talking to people and be straightforward and business will grow.

These words ring true today, 25 years after they were originally written (except for the mention of returning pages, of course). If our team can continue to focus on customer service, we will see success for many years to come.

Adriana Stevens

Second Michigan Mortgage Service Scholarship Winner Announced

In conjunction with our #MMGivesBack and Service Rewards programs, we’ve launched the Michigan Mortgage Service Scholarship in hopes of recognizing High School Seniors with dreams of pursuing a career in service.

Careers Include:

  • Military
  • Teachers & Educators
  • Government & Politics
  • Police
  • Firefighters
  • First Responders
  • Doctors & Nurses

We received over 50 applicants and examined each one closely. We learned about their goals and aspirations, the community service they completed and impacts they made in West Michigan and how they plan to give back to those that need it most.

We assembled a Scholarship Committee to select our 2021 winners. Two West Michigan graduates will receive $1,000 to further their education.

Adriana StevensAfter much consideration, Michigan Mortgage is pleased to announce Adriana Stevens, a 2021 Coopersville High School Graduate, as a winner of this year’s Michigan Mortgage Service Scholarship.

She said the following in her application.

“To me, service is more than just a word, but rather an action of kindness and love. Service is the idea of giving back to others voluntarily. Service can be in a form as caring as raking someone’s yard to as generous as helping at a local food truck — both of which I have done and enjoyed. Service includes hundreds of different actions that benefit the world as a whole. To me, when I pass out food at my local food truck or when I clean up my local baseball field, I know I am benefiting my community and the world as a whole. The small steps that everyone takes in their community are the steps that lead to positive change in our world and I’m glad to be a part of that change.”

“In the future, I hope to impact our local community in numerous ways. I would like to bring positivity throughout our community and bring everyone together. By bringing my community together, we can all see each other as individuals, rather than being divided into different social classes and ethnic groups. I want my community to be happy. People have taken steps to make our community as wholesome and great as it is today, so I want my community to be at the greatest point it has ever been at. By taking the steps I am taking today, by volunteering and being involved, I am already on my way to make my community better every day and in the future.”

Adriana plans to attend the University of Michigan to work towards her bachelor’s degree in Movement Science. She will minor in Spanish and hopes to become an OB/GYN in the future.

“I am excited to see what the future holds for me and I am beyond grateful to be selected as a scholarship recipient,” she said.

Congratulations, Adriana! You are so deserving of this recognition.

Olivia Woodring

First Michigan Mortgage Service Scholarship Winner Announced

In conjunction with our #MMGivesBack and Service Rewards programs, we launched the Michigan Mortgage Service Scholarship in hopes of recognizing High School Seniors with dreams of pursuing a career in service.

Careers Include:

  • Military
  • Teachers & Educators
  • Government & Politics
  • Police
  • Firefighters
  • First Responders
  • Doctors & Nurses

We received over 50 applicants and examined each one closely. We learned about their goals and aspirations, the community service they completed and impacts they made in West Michigan and how they plan to give back to those that need it most.

We assembled a Scholarship Committee to select our 2021 winners. Two West Michigan graduates will receive $1,000 to further their education.

Olivia WoodringAfter much consideration, Michigan Mortgage is pleased to announce Olivia Woodring, a 2021 Ravenna High School Graduate, as a winner of this year’s Michigan Mortgage Service Scholarship.

She said the following in her application.

“While in high school, it is difficult to see the value of service past “volunteer hours.” Upon realizing this, I have grown to see service not as a tool, like how it is sometimes portrayed, but as a meaningful goal all on its own. I hope that my greatest priority throughout life is to put others before myself. I am aware of the privilege I have had throughout my life, and to me, ‘service’ means to use the resources I have been given throughout my life to give to others.”

“One of Michigan’s greatest assets is its lakes, and West Michigan is no exception. As someone who has taken advantage of outdoor recreation in West Michigan, I would love to play a role in preserving our freshwater ecosystems, whether it be through my career or through volunteering. I also hope that I can show enough compassion and kindness toward others in my community so that these qualities may be passed on, creating a more caring and inclusive environment for future generations.”

Olivia will be a student in the LSA Honors Program at the University of Michigan in Ann Arbor in the fall. She plans to major in International Studies and minor in Science, Technology, & Society.

Melanie Block, an educator at Ravenna High School, had nothing but remarkable things to say about Olivia and her work ethic. Olivia is an invaluable asset to the Ravenna community and hopes to impact her small town for many generations to come.

“I am so thankful for the generous scholarship awarded by Michigan Mortgage, and I am excited to use this financial aid to further my education,” she said.

Congratulations, Olivia! You are so deserving of this recognition.

Staff Photo

An Employee’s Perspective: Growth & Change

Throughout 2021, we are celebrating Dave and Rob’s 25th year together in business. As their longest standing staff member, I’m reflecting on how our staff and office have changed over those years.

I started with the company in 2002. Our office was downtown Muskegon in the Noble Building on W. Western Avenue, which is now home to Pigeon Hill Brewery. Now, when you’re sitting the brewery enjoying a beer, that’s where our desks used to be. It’s a cool facility now, but back then it was…not as ideal.

Staff PhotoWe had a shared bathroom with the entire first floor, and the bathroom also served as our kitchen for washing dishes. When Dave’s long time processor Tiffanie started with us in 2003, we made an office space for her in what was previously a broom closet. The walls may have been moldy, but luckily, she stuck with us.

We moved into our current location on Harvey Street back in 2004, which I believe is the only full location change we’ve had. Our sign has changed a few times though, as we moved through a few different company names. We had some growing pains finding the right fit, but as Michigan Mortgage we have seen an incredible level of success and growth and are here to stay for many years to come.

Our staff has been the most notable area of growth. Back when I started, I was one of only two staff members. At the time we also had about five Loan Officers (plus Rob and Dave). You don’t always realize how much we’ve grown until we look at group photos. Getting a photo of the entire staff went from 4….to well over 24!

Rob and Dave realized early on that growing their teams with additional support staff was a successful business model, versus attempting to add and support more loan officers. I say without a doubt that the staff we have now in 2021 is the best staff we have ever had. Our focus for each job position is laser sharp, our closing and marketing departments exists where they didn’t before, and the best part — we all genuinely enjoy each other and the work we do for our community.

We also have five staff members who have been with us for over 10 years (myself, Tiffanie, Joslyn, Ronda, and Hayley). When we talk about the growth of our staff, part of that means adding staff. But perhaps the best part is seeing the growth of the staff members themselves.

Joslyn started as a teenager, and now runs the entire office as our Operations Manager. Tiffanie and Ronda have perfected the loan process as part of Team Lehner, and their clients rave about them. And Hayley transitioned from a valued Loan Officer Assistant to an incredibly successful Loan Officer in Holland.

Opening an office in Holland was one of the biggest steps we made toward growth. Adding a location can be a risky decision: going into an unknown market, adding additional office expenses, transitioning two full time staff members to loan officers, etc.

From day one, there was no doubt Amy and Hayley were going to be successful in leading our Holland branch, and they certainly have been. They are both President’s Club members (loan officers who close at least 100 units each year) for two years running and have garnered many Best of the Best Awards in the Holland market.

It can be mind-boggling to imagine where Michigan Mortgage will be 25 years from today. I have no doubt that our trajectory will continue to upwards, and we’ll continue to serve the West Michigan community for a long time to come.

Impact Report

Impacting Our Local Community

Rob Garrison said it best.

“2020 was quite the year. Between a global pandemic, rioting in our cities and a contentious Presidential election, we know that everyone was tired and frustrated and perhaps ready for 2020 to be over. The uncertainty that the pandemic has placed on so many families is disheartening. We are saddened by the medical, financial and personal suffering that so many have endured in 2020. In that vein, we at Michigan Mortgage have doubled our efforts to make the most impact in areas that we can control: our clients, our employees and the community.”

As we work our way through 2021, we wanted to take a moment to pause and look back on all of the good that happened last year.

Impact ReportHere are a few of our favorite highlights. If you’d like to learn more about 2020 community involvement, click here and flip through our Impact Report.

#MMGivesBack – Honoring Our Local Educators

Prior to the COVID-19 Pandemic, we launched #MMGivesBack – Honoring Our Local Educators to give back to those that give so much to our local community. Three times in 2020, we recognized a West Michigan educator that went above and beyond in the classroom and donated $1,000 to their school.

We surprised the following teachers, delivered a gift basket and thanked them for their dedication to their students.

Rosanne Willard, Oakridge Elementary in Muskegon
Tammie Thompson, Griffin Elementary in Grand Haven
Julie Anderson, Beach Elementary in Fruitport

Each woman (and their school) was deserving of our Outstanding Teacher Award and $1,000 donation!

As part of #MMGivesBack, educators that financed their mortgage – purchase or refinance – with a Michigan Mortgage Loan Officer received $100 worth of school supplies and we donated $50 worth of school supplies to another teacher on their behalf. In total, we donated supplies to 75 classrooms in more than 20 West Michigan school districts.

Michigan Mortgage Service Scholarship

In conjunction with our #MMGivesBack and Service Rewards programs, we launched the Michigan Mortgage Service Scholarship in hopes of recognizing High School Seniors with dreams of pursuing a career in service.

Careers Include:

  • Military
  • Teachers & Educators
  • Government & Politics
  • Police
  • Firefighters
  • First Responders
  • Doctors & Nurses

We will award two $1,000 scholarships to West Michigan Seniors in the coming weeks. Stay tuned!

Dancing with the Local Stars

Our very own Dave Lehner competed in the 2020 Dancing with the Local Stars event in Muskegon. This event was pre-pandemic and one of the last times our community was able to gather for a great cause.

Dave and his team spent hours practicing their routine and gave a flawless performance. We were so happy to be in the audience cheering him on!

Standup for the Cure

This is one of our favorite local events and we were disappointed to miss a fun-filled day at the beach, but our employees stood up and participated at their own homes. Some hiked and explored outdoors while others kayaked, swam and played basketball in their backyards.

Shawn Norden, one of our fabulous Loan Officers, worked hard to raise awareness and get people involved in the 2020 fundraiser. We are always excited to support her and the local food bank and food programs in our area.

“While 2020 was challenging in many ways, it has taught us many lessons that will affect our business for years to come,” Rob said.

Thank you for taking this wild ride with us!

Rob Garrison

Who is Rob Garrison?

Rob Garrison is a husband, father, brother, son, and a Mortgage Loan Officer.

Rob GarrisonHe’s also a leader, learner and business partner. This year, he’s celebrating his 25th year in the Mortgage Industry with his partner and co-branch manager, Dave Lehner. Together, they’ve formed an unstoppable team.

In honor of their 25th year in business, we sat down with Dave to talk more about the “outgoing guy” he met back in high school.

Join us as we get to know Rob Garrison from Dave Lehner’s perspective.

Michigan Mortgage: What was your first impression of Rob?

Dave: I thought Rob was a sharp, outgoing guy. I remember hanging out with him when we were with mutual friends and we got along great even though I was from the rival school. I soon learned that Rob was very motivated and he had so many great traits.

Rob is very detailed and organized. He’s a forward thinker and I could tell right away he was a self-starter and had potential to be a great leader and owner.

MM: You’ve been in business with Rob for 25 years. How has he changed? What has stayed the same?

Dave: In the beginning, we both worked out of our homes. We were trying to build a clientele and bring in business. Rob was always there for me and we’d brainstorm to figure out ways to make the mortgage process better, faster and easier.

We learned the business without much training so we leaned on each other for support. Rob has been the best business partner I could have! He has not changed in his/our vision, his commitment and his desire to keep growing the company the right way.

MM: What makes Rob a great Loan Officer?

Dave: Rob is an honest person with a big heart! He is there for his clients to help guide them, educate them and make sure they are doing the best thing for their unique situation. When he looks at mortgage loan options with clients, he always acts as a friend looking out for them.

MM: What makes Rob a great Leader?

Dave: Rob is a reader! He loves to read and he reads a lot of business books and brings the ideas he learns to the company. We have implemented many of those ideas to make us better personally and professionally. Rob has a clear vision and is very good at expressing that vision to the staff. He leads people by empowering them in their roles at the company.

MM: I’m sure 25 years in business together has created a few good memories. Can you share your favorite?

Dave: I have so many stories and they all make me smile. When we first started having Christmas parties, we hosted them in the basement at my house. One year we played “Let’s Make a Deal” and both of our wives bought goldfish as one of the prizes behind the doors. We had a little too much to drink that night and ended up tipping over the fish. Rob and I tried to give a speech and it turned out so bad! It was a fun night and I remember it like it was yesterday.

I am so thankful that I met Rob when I was 16 years old! And I’m so thankful he is my business partner; I consider him a true friend and will for the rest of my life.

I would not be where I am today without you, Rob. I love you!

Dave Lehner

Who is Dave Lehner?

Dave Lehner is a husband, father, son, Papa and a Mortgage Loan Officer.

Dave LehnerHe’s also a leader, encourager and business partner. This year, he’s celebrating his 25th year in the Mortgage Industry with his partner and co-branch manager, Rob Garrison. Together, they’ve formed an unstoppable team.

In honor of their 25th year in business, we sat down with Rob to talk more about the “hard-working guy” he met back in high school.

Join us as we get to know Dave Lehner from Rob Garrison’s perspective.

Michigan Mortgage: What was your first impression of Dave?

Rob: I knew Dave a bit from high school. We went to rival schools and played sports against one another. I knew Dave to be fun and outgoing and engaging with people. What I did not know was that he was such a hard worker.

Dave initially worked the Grand Rapids market. He would drive to Grand Rapids every day and knock on Realtors’ doors until they gave him a deal. Before long, they LOVED him and they were knocking on his door! In short order, Dave was working with some of the top agents in the business! A few years into our partnership, Dave began working more in Muskegon. Dave seems to know everyone in Muskegon and it was natural to work where he lives and plays.

MM: You’ve been in business with Dave for 25 years. How has he changed? What has stayed the same?

Rob: In the beginning, we worked mostly independently. We hired many loan officers and tried to teach them the business and had very little support staff. As our branch grew, we decided that we should build more of a cohesive branch where we played the role of managers and developed teams of support rather than multiple loan officers. This was the best move we ever made. We were able to build Core Values, Culture and a brand that we had not been able to achieve previously.

MM: What makes Dave a great Loan Officer?

Rob:  Dave loves people. He loves helping folks buy their first home, save money in a refi or access equity. He thrives when he can meet face to face and develop long lasting relationships. Clients love working with him because they trust him.

MM: What makes Dave a great Leader?

Rob: Dave has the ability to take the perspective of the employee and anticipate how they will feel about policy changes. He fights to keep the culture fun and personal even as we grow. When things get too “corporate” Dave keeps it real.

MM: I’m sure 25 years in business together has created a few good memories. Can you share your favorite?

Rob: When the mortgage market collapsed in 2008, we transitioned from a Mortgage Broker to a Mortgage Banker. In pursuit of that we flew to Dallas to discuss working for a large company headquartered there. When we arrived, we were immediately picked up by their recruiter and headed to the bar. From there we went to another bar and then another. In Dallas you go big or go home.

Dave was there for the FULL experience. The next morning, we had six or seven meetings with different department heads. I was asking every question I could think of and by the second or third meeting, Dave glared over at me as if to say, “I am dying here, if you ask another question, I will kill you.” He then ended the meeting abruptly and ran to the nearest trash can. He blamed the sushi but it was definitely the drinks.