About Boris

Purchasing or refinancing a home is a complex undertaking with a lot of participants and a lot of variables. I've been in the mortgage industry since 1997, and I understand the anxiety that comes with making the most expensive investment of a lifetime. My job is to be your advisor: to educate you, to make the transaction as transparent as I can, and to make sure that when you sign, you know exactly what you're signing.

I work mostly by referral. Friends and family of past clients, real estate agents I've closed with, and increasingly the financial advisors my clients already trust. That shapes how I operate. I'm not trying to win a transaction; I'm trying to earn the next twenty years of your questions.

How I got here

I hold a bachelor's degree in Economics and Management from Beloit College and an MBA from Georgetown University. Over more than 25 years in mortgage lending I've been a processor, a loan officer, a branch manager, an underwriter and a closer. Before the 2008 financial crisis I owned a mortgage brokerage in suburban Chicago. Having sat in every chair on a loan file is why I can usually tell you what's going to go wrong before it does.

Today I'm a Senior Mortgage Loan Originator at Capital Bank, N.A., in Rockville, Maryland, licensed in all 50 states. Capital Bank is a bank, not a broker, which means I can lend on the bank's own portfolio when a file needs a human decision, and it means the people underwriting your loan are down the hall from me.

What I believe about this business

A mortgage is not a standalone transaction. It's one decision inside your whole financial picture, and it should be made with the rest of that picture in view. That's why I work so closely with financial advisors, and why I'll ask you questions that seem to have nothing to do with the house.

Education beats persuasion. Every client goes through my Mortgage Masterclass, three sessions that take you from "I need a loan" to "I understand exactly how this loan works and why it's the right one." Clients who understand their numbers make better offers, close more smoothly, and call me with better questions for years afterward.

"Wait" is a valid answer. I'm paid when a loan closes, like every loan officer. I'd still rather tell you the timing is wrong than close something you'll regret. I've done it many times, and those people usually come back when the timing is right.

The relationship doesn't end at closing. I keep an eye on rates and equity for past clients. When a refinance, a HELOC, a recast or an investment property makes sense, I'll reach out. When it doesn't, I won't.

Outside the office

I live in Rockville with my wife and our two small kids, which is why I keep multi-day travel to a minimum and why most of my client conversations happen by phone or video. I'm never too busy for your referrals.