With mortgages there are a lot of moving parts, so ensuring I have all I can gather up front will make the process much easier for my clients, my team and me. Similar to a PowerCore coffee, If I have a lead or scheduled call, I always send a text or email the day before to confirm we are still all for our meeting, even if they have a scheduled appointment on my calendly which also reminds them. I generally answer my phone whether it be morning, noon or night on any day of the week, but if I am on a call or not able to I call back promptly. I work with my clients throughout their whole journey from our initial chat, pre approval, the loan process, being there with them at closing and beyond. When I first speak with someone, I ask their wants, needs, and what I need to know to qualify them like what they do for work, their income, and how they get paid. To understand which loans will work best for them, I also ask how much they have for a down payment currently and how they plan to get the rest. For my Reverse clients, I also work with them based on how they best communicate and their ability to get me what I need. I am happy to meet them and get what I need if that is easiest for them. Once they are pre- approved or putting in an offer on a home, I will already have some documents I used to ensure I have their income correct, and then I send a list of the majority of others items needed.  For a refinance, I send that either when they are pre approved or when they pull the trigger. During the process, my processor and I guide them with each step of what is next, then, once they get the clear to close, we prepare them for closing.  We securely send them the wiring instructions to send their funds needed to close, remind them to bring their photo ID, make sure they know where they are going, and then I am there to make sure the closing goes smoothly.  Throughout the process, we also communicate with both agents, appraisal company if needed and the attorney. Communication is Key! Thank you!