I'm different than most mortgage lenders.
Most lenders will simply quote you an interest rate. I believe in addressing my customers' holistic financial condition. Your home is more than an interest rate. It's an investment, a retirement plan, a place to raise your children, and a refuge.
My focus is on relationships instead of volume. I'm not trying to close 25 loans per month. I probably won't ever make my company's "President's Club" for top salespeople. And that's OK with me. I'd rather close fewer loans and have deeper relationships with my customers. That's just how I prefer to work. I love the process of becoming a friend and an advisor to my clients and customers.
After the application is signed, I remain very involved in the process. I don't pass my customers off to an assistant or processor. I have an assistant and processor, but they work on the "back end" of things, handling appraisal, title, insurance, tax transcripts, etc. This frees up my time to be an advocate for my customers.
I also remain a vital point-of-contact after the loan closes. My customers don't have to call an 800 number if they have questions or concerns about their mortgage loan. They have my cell phone number. I frequently help customers replace lost tax paperwork, change automatic payment instructions, and confirm that property taxes are paid properly. I enjoy keeping in touch with customers after their loan closes.
How did I get here?
When I was in college, I worked for a technical recruiting firm as a secretary. I got the job because I typed fast. I learned a lot about recruiting and after graduating, worked as a recruiter for an emerging technologies team and a business consulting firm. It was the middle of the dot com boom and it was great fun!
But the boom went bust and I found myself with a lot of time on my hands. Nobody was hiring and nobody needed a recruiter.
Meanwhile, a friend was refinancing his mortgage. The mortgage broker was part of our friend-crowd, but I didn't know him personally. When my friend walked into the broker's office, there were file folders stacked to the ceiling and phones were ringing off the hook. The place was mayhem.
My friend told the broker that he knew someone who might be able to help him.
"Can she talk on the phone?" the broker asked.
"Yes, she's a recruiter," my friend replied.
"Is she good with numbers?" the broker inquired.
"She's got a degree in math," my friend explained.
I started working for the guy the following week taking applications for FHA streamline refinances.
That was 2001, and I'm still working in the mortgage industry and loving every minute of it! OK, maybe not every minute. There are days! But most days I love what I do, and I feel incredibly fortunate to have found my "thing."
In all this time, I've played many roles in the mortgage industry. I've worked as a loan officer, processor, and I've even done some underwriting. I've worked for small mortgage brokers and monstrous megabanks. I've literally closed thousands of mortgage loans in my career.
I currently manage the Port Townsend, WA branch of New American Funding. I have a Bachelor's Degree in Math from Georgia State University. And serve on the boards of Habitat for Humanity of East Jefferson County and the Real Estate Professionals for Affordable Housing. Affordable housing is my passion.
You'll also find me teaching continuing education classes for REALTORS, hosting public "Lounge & Learns" to discuss various financial topics, and speaking at local events like Chamber of Commerce meetings.
I was awarded the Affiliate of the Year by the Jefferson County Association of Realtors in 2017. And I received the Associate Appreciation Award from the Jefferson County Home Builder's Association in 2014. I live in Port Townsend with two dogs, a bird, and a tortoise.
.... My customers are ....
- Soon-to-be retirees purchasing vacation homes that will become primary residences upon retirement
- Professionals acquiring luxury, water-front homes
- Veterans utilizing their VA mortgage loan eligibility
- First time home buyers
- Investors taking advantage of a great real estate market
- And everyone and everything in between!
…. Specialties ….
- Self employed
- Second / vacation homes
- Luxury homes / jumbo mortgages
- Retired - Investors
- Washington state bond / down payment assistance
- First time home buyers
- Real estate education
.… Contact Me ….
Web Site: http://www.emilycaryl.com
I primarily serve Jefferson County, WA and the communities of Port Townsend, Port Hadlock, Nordland, Marrowstone Island, Chimacum, Port Ludlow, Quilcene, and Brinnon. However, I am licensed throughout Washington state and can facilitate transactions in most states in the US.
AKAs/common misspellings: Emily Caryl, Emily Carol
Oh yeah. I occasionally skip work to go sailing.