Transcript:

Hey, it's Jessica Herrmann with Great GA Realty, and we're excited about our new video series, Keeping It Real Estate. In 2023, we're trying something a little different. We will actually be interviewing different professionals within our industry. And our very first episode is with Rob Fair with Certainty Home Loans.  

So,  kind of tell us you know how long you've been working as a mortgage professional and kind of what got you interested in the field. 

I started in 2002. Actually, as a mortgage broker. I just wanted to get into something where I could. I like to interact with people and be able to help people. I did have a hiatus in 2009. But I was working- I was actually working wholesale then. And then I got back into retail here in Statesboro some time ago. And I just really like the community and working with the local agents here. 

It's kind of similar I think to like the same reasons we get into it, right? 

Yeah, very similar. You have to be able to like people.  

What type of mortgage loans do you encounter most often? 

Well, here in Bulloch County and the surrounding counties, mostly the government loans, your USDA, your FHA, and with, you know, two military bases fairly nearby a lot of VA. You know, probably here in Bulloch County, you know, USDA, a lot of first time homebuyers really like the USDA loan program. It is very, it's an excellent program. It's a small box you have to fit in to qualify. But most people either can qualify for that or even an FHA loan. 

Yeah. And I think to the great thing about those types of loans, and a lot of I'm shocked, honestly, that a lot of borrowers still think you have to do the 20% down. 

You know, that's what's great about those loans is that, you know, like USDA is 100% financing. So that's, it just is able to so many more buyers are able to purchase than than otherwise would have been. 

So that's a good thing with those loans.