Tom Gamache is the northeast regional sales manager for Citizens United Group working around Boston, among other areas.
Every week, we ask an Boston real estate professional for their thoughts on the top trends in Boston real estate.
This week, we talked with Tom Gamache, the northeast division sales manager with Citizens Financial Group.
Boston Agent (BA): A new analysis from RealtyTrac suggests Boston is poised to see a wave of new buyers enter the market, as the credit scores of homeowners who previously lost their homes to foreclosures in the mortgage crisis reach more quality levels – boomerang buyers, they’re called. Do you expect these new buyers to have a positive or negative impact on the Boston market and why?
Tom Gamache (TG): I think having new buyers in the marketplace is always positive. It’s a competitive market and the inventory is low. Buyers need to be prepared when they start the home buying process so they will be seriously considered by the seller if they put down an offer. In general, they should complete a mortgage pre-approval assessment before they start their search so they know approximately how much they can borrow from their lender. This is probably an even more important step in the case of someone who has a previous foreclosure.
BA: As someone with significant experience in the mortgage industry, what sets Citizens Financial Group apart from previous lenders you’ve worked with?
TG: The team at Citizens are seasoned mortgage bankers that know exactly what it takes for a bank to compete and win in the mortgage space. We have the rare combination of great loan officers and customer value propositions, a strong desire to grow in the space, and the executive experience to make it happen.
BA: How important is communication to lending, and what outlets have you found most effective with interacting with your team and clients?
TG: While interacting via email and telephone are effective modes of communication, I continue to be a big believer that face to face communications with colleagues remains the best way to interact. As for customers, it’s a matter of preference and I always ask each customer whether email, face to face or phone is best for them.
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