Chad Cantrell is the Branch Manager and Senior Loan Officer at Certainty Home Loans in Huntsville. He has been in the mortgage business for more than 12 years, and has been recognized in the Scotsman Guide for being in the top one percent of loan originators in Alabama.
Q: How did you hear about AHFA programs?
A: I was introduced to AHFA programs by my manager when I began my mortgage career. AHFA programs probably account for about 15% of my current monthly production.
What do you think is the greatest benefit of AHFA programs?
A: For Step Up, it is the reduced down payment which helps with a borrower’s out of pocket costs. I like being able to offer a low down payment opportunity to clients. The Mortgage Credit Certificate program has allowed numerous buyers to qualify who would have otherwise not gotten their home.
Q: What do you enjoy most about your job?
A: Helping people. I have always pretty much worked in customer service and seeing happy customers is very rewarding for me. Seeing families smile at the closing table and receiving compliments about my staff and “how easy” the process was. Most of the time I’m thanking customers, and yet they are thanking us in return. It’s a great feeling. I have a great staff and team that helps me. This is by no means a “one-man show.” It takes a village to get the job done. I have been blessed to be surrounded by a village of team members who have the customer’s best interests at heart.