We’re tickled pink to bring this interview to you. It’s been a long time in coming. As you may or may not know we at FresYes are actually in the real estate business. Surprise! Yeah, it’s not much of a secret. Speaking of secrets… For a long while, Cynthia has been our behind the scenes, secret weapon. She’s much more than a Mortgage Maven, much more than loan originator, much more than an interest rate. She’s caring, she’s well educated, well spoken, and a fabulous communicator. Best of all, she uses all of that to educate and counsel others. We love her because she’s so very different from the others out there. Take a moment and find out why.
Who are you and where did you come from?
I have an incredibly varied professional path. I sort-of randomly fell into real estate finance / mortgage lending, from a management and communication background, and became quickly obsessed almost 14years ago. I grew up in Sonoma, CA. My grandfather started and owned a revolutionary home construction company building prefabricated Custom Cedar Homes. It was a family business; my mom ran the operations of my grandfather’s company and so my brother and I grew up wild, playing on equipment, running through job sites, climbing trusses, all with our large family and extended family of employees near enough to save our lives when necessary.
My father also worked for the family business and eventually started his own custom home building company as well. I was surrounded with real estate conversations and dealings and homeownership dreams from birth, and I loved it.
I love the idea of “home”, I love the attainability of it, I love the implication it has toward roots and community and family. A “home” isn’t about a house, it is about a plan coming together, it is about building legacy and building wealth through homeownership. It is about having autonomy and control over your personal environment. I provide financial consultation and mortgage services to bring people home.
Tell us about the business, what do you do?
I am a licensed Loan Officer and a Board Certified Credit Consultant. Mortgage loans are federally regulated and so if someone is thinking of buying a home, I walk them through the process and ensure that their loan file falls in line with all government regulations to foster a smooth purchase transaction. For some people, they are ready to go, they have experience or know where they’re at and we can get them all set shopping right away and passed on through quickly, closing their purchase and getting keys within a few weeks.
For some people they need credit consultation, advisement or direction. Some people need financial therapy and I provide that too. We have buyers that purchase their home right away and some it takes them even a year or two years in order to be ready. That is all part of the process and I am there every step of the way.
There’s something unique that you do that we really like! It really makes you stand out. Can you share that with the readers?
I don’t “turn away” or “turn down” any buyers at all. I offer a plan always, it is all about goal setting. Sometimes the plan is to get out and go home shopping that afternoon! Sometimes the plan is to take the mortgage options that I have presented and go have dinner with your spouse and talk them over. Sometimes the plan is to take credit steps to get into a position to meet a goal. I have had buyers call me before a divorce to plan, or before a marriage, before a bankruptcy or a new job, I have had 18 yr olds call me before they start their first job – all to take advantage of the opportunity to move forward with intention and directed steps for a future mortgage or real estate opportunity.
What is it that most people DON’T know about your business? (that you wished they did)
I wish people knew that getting their home financing in place is a completely separate step from a home purchase and sometimes those steps are even years apart. The home financing / mortgage consultation and assessment should happen well before the home purchase.
So many people hold off on asking the questions and getting the facts because they don’t feel “ready to buy” for whatever reason. Having the lending conversation is exactly the best thing to do when you’re not ready to buy; once you are “ready” to buy you missed it, you’re late, you should have already had your lending conversation a year prior. Someone thinking about buying or curious about options is in the best position if they reach out to me 6-12 months before they plan to buy. I wish people knew how much money a quick conversation with me could save them. I wish people knew how much I could do for them with 15 minutes of their time.
Anything coming up?
The real estate inventory, the available homes for sale, is really low and the demand is high so we are still seeing a really strong market. Things have settled down and we are back to what would be considered a “normal” market compared to where it has been. There are some great incentives right now out there and still some really helpful assistance programs.
Anything else you would like our readers to know?
There is so much misinformation out there regarding the real estate market and mortgage trending – instead of reading a headline or social media comments for your education – reach out to a local professional. State and national news is just that, we are in a micro-market, the Central Valley has its own culture, incomparable to the rest of the state or the nation, that is also true for the real estate culture.
There is no cost and no loss to ask a local professional about what things might look like for you or what their take on the market is and why. We eat, sleep and breathe this and passing the knowledge, intel and direction on to our community is my absolute paramount life goal.
How can people get a hold of you?
That’s easy enough. My contact information is below.
Now that we’ve exposed our little secret, we have some good news for you! We’ve asked Cynthia to share some of the tips that usually shares one on one with her clients. This will usually be on a Monday and we’re looking for something catchy as a title. What do you think about “The Monday Mortgage Minute“? Or maybe “Cynthia’s Mortgage Madness: Making Mortgages Manageable” Too Long? What would you suggest?