Meet Dawn Garms, Mortgage Lender at Merchants

Garms,DawnWhen did you start your banking career?

Dawn: I started as a mortgage Lender with Altra in 2001. I was there for twelve years and then came to Merchants in 2013.

What is your top tip for a first time home-buyer?

Dawn: Get pre-approved first. Pre-approval helps you determine the maximum amount you can spend to purchase a home. You can also go over what to expect for monthly payments, down payments and other mortgage options with a lender at that time. It really gives you a clear picture of what you can afford and how that fits into what you’re comfortable with for your personal monthly budget.

What’s one thing your mom or dad taught you about money?

Dawn: The best thing they taught me is the importance of knowing your finances. Know what you can handle so that you are comfortable in your monthly budget.

If you won the Powerball, what’s the first thing you would do?

Dawn: I would travel all over Europe for an extended period of time, and explore all of the different countries.

Besides money, what’s your favorite green thing?

Dawn: The green of fresh trees on a mountain hike.

What’s one lesson you learned when buying your own home?

Dawn: Use a lender that is knowledge so they can guide you through the process. Buying a home should not cause a headache…it should be a smooth, pain-free process.

Subject to credit approval. Contact Dawn today to get start the application process for mortgage pre-approval. To find current mortgage rates and apply online, visit our website.