Chad is Susquehanna Bank's Senior Vice President of Residential Mortgage Sales. He’s been helping people to finance their homes for more than 15 years, having started as a loan officer. At the age of 24, he started his own home financing company, growing the business and eventually selling it. He then joined Susquehanna in 2005. When he's off the clock, you may find him at a local ice rink; Chad coaches three ice hockey teams as well as two inline hockey teams. It all sounds pretty industrious for a guy who used to play guitar in a heavy metal band back in high school and college. Yeah, that’s right. Try to picture it!

More Posts by Chad:

From Business Owner to Home Owner: Mortgage Challenges of the Self-Employed

You bust your hump every day.  You bring valuable goods and services to your town.  You create jobs in a dismal economy.  You are the entrepreneur, the small business owner, the self-employed. And how do mortgage lenders repay you for all your contributions to your community?  All too often, like Col. Jessep (Jack Nicholson) being grilled by Lt. Kaffee (Tom Cruise) in the movie “A Few Good Men” (“Is the colonel’s underwear a matter of national security?”). Continue Reading »

Buying Your Next Home Before the Current One is Sold

Mortgage interest rates are great – in fact, at historical lows. There are a lot of great buys in the housing market. That perfect home down the road with 4 bedrooms and 3 baths that was going for $400,000 three years ago is now listed at $320,000!  Attorney Ed, accountant Linda and even Uncle Fred (who really knows his stuff) are all saying now is the perfect time to buy a home - BUT I have a big problem: I have to sell my current home. Continue Reading »

Top Five Questions Your Mortgage Lender Should Be Willing to Answer

Rates, points, APRs, insurances, origination fees, discount fees, third party fees, processing fees… no doubt, there are a lot of costs associated with obtaining a mortgage. Ironically, regulatory reform meant to help consumers and protect them from the industry “bad guys” had some unintended consequences, like higher costs. And for every new regulation, the “bad guys” find new ways to play the nut-and-shell game of hiding bloated mortgage costs in their quotes. Makes me think of the words from one of my favorite guitar players, Jimi Hendrix: “Is this love baby, or is it just confusion?” According to the Mortgage Bankers Association, the cost to originate a loan has increased by 57% over the past two years. So, how does a consumer know if they are getting a fair deal? Here are the top five questions your mortgage lender should be willing to answer (If they can’t or won’t, then seek help elsewhere!). Continue Reading »

From the Ground Up: Tips for People Financing a New Home

The thought of building a new home comes with mixed emotions; you end up with the house of your dreams, but there is a lot of anxiety that goes along with it. However, working with a mortgage lender that has experience in construction financing and selecting the right builder go a long way toward deflating this balloon of uncertainty. When you purchase an existing home, you can walk through it, see how it is laid out, feel it, touch it, smell it. When building a new home, most of your “experience” is reliant on plans laid out on paper. Continue Reading »

Mom Told Me 2% is the Magic Number to Refinance

It seems like everyone has an opinion on how far rates have to drop before it make sense to refinance. It’s time to stop following water cooler gossip. NNNNOOOOO!!!!!!  Please don’t tell me my mother was wrong! Well, in the famous words of Billy Joel, “You may be wrong for all I know, but you may be right.” There really isn’t a magic equation to this. Susquehanna offers an online calculator that can help you run the numbers to determine how long it will take to break even on a refinance. However, there are other factors that come into play.  Here are some key questions to consider. Continue Reading »