Kristin Jamieson with Xxxx Xxxxxx
herself), three loan partners, three processors, one administrative person and one underwriter, all work towards the goal of getting potential home buyers in the best financial position possible so they can succeed as homeowners. “Really anybody obtaining a mortgage for hundreds of thousands of dollars should have to show their ability to repay. We don’t want to put somebody in a mortgage and then not perform,” Kristin says. “It only creates stress and anxiety for them, and then obviously it creates the risk to the lender, so making sure somebody can afford their mortgage and succeed is not really a bad thing.” Kristin, who has worked in the mortgage industry for about 18 years, spent most of her early years in processing and underwriting, that is, until she realized that she was doing all the work, while the loan officers were reaping all the financial benefits. She also knew that she could bring a lot to the table as a loan officer because of her prior experiences. “Having the back-office experience, along with the processing and lending experience, I know what loans work and what loans don’t work,” Kristin says, adding that to this day, her office has never had to deny a person, as far as obtaining a mortgage loan, because of qualifying issues. She says what she does is do all the research and background checks needed
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to ensure that when her company sends a pre-approval letter to a client, the possibility of obtaining a loan has actually been verified and proven.
“EVERYBODY HAS A LOT OF ENERGY, EVERYBODY HAS THE SAME COMMON GOAL; WE DON’T STOP UNTIL THE JOB’S DONE.” —KRISTIN JAMIESON
“When we issue a preapproval letter, the loans actually get to closing. We verify everything upfront, including income assets, credit, everything,” she says. “Most lenders just require that people fill out an application, but people can put anything they want to put into an application. We have the burden of proof in our industry, so before sending out any kind of pre-approval letter, we verify everything.”
Kristin says that process benefits the company, but it also benefits the client because they are not risking monetary losses that go along with having to pay for required inspections, appraisals or earnest money deposits when going out to make an offer. For the Realtors, it ensures they are not spending time showing properties to clients who will not qualify in the end. “We go through all the steps upfront to make sure the buyer is really fully preapproved and we never make promises we can’t keep, that’s really big,” Kristin says. “People always want that 100 percent confirmation and I never give it unless I am 100 percent sure something is going to happen.” “When it comes to money, everyone wants to over promise and under deliver, but when we make a promise, you can rest assured we will deliver,” Kristin adds. Besides securing mortgages, Kristin takes pride in having built a great relationship with community partners and local charities. When there is a need in the community, she helps whenever and however she can. “We do a ton of work with the community, as far as involvement with charity organizations, helping with backpacks for kids going back to school, Christmas across South Lake, and so much more,” Kristin says. “We do it because we understand that our younger generations are the next leaders in our community and because of that, we always want to give back and start showing them at an early age what can be done if we all come together for good.” Additionally, Kristin offers educational courses in areas like home buyer education, credit, financing, and budgeting to ensure that younger generations not being taught these things in school, are ready for adulthood and can potentially reach home ownership in their futures. “They don’t teach finance in school anymore. They don’t teach credit or budgeting or anything like that, so I think people are craving the knowledge; everybody wants to be a homeowner and unfortunately, not everybody in this
