In the high-interest-rate market we find ourselves in today, Alex Filin stands out not only for his professional acumen, but also for his unwavering commitment to his clients. Since his last feature, Alex has continued to exemplify the qualities that make him a trusted mortgage advisor at Vybe Mortgage, which includes always focusing on setting the right vibe for home buying.

Market conditions have shifted significantly since the historically low rates of 2021, and Alex has adeptly adapted, advising clients on the best strategies to navigate the current market. He emphasizes the importance of buying now and refinancing later, when rates come down.

"Many buyers are waiting for rates to come down, but the challenge is that home prices are likely to rise when rates drop due to the ongoing shortage of homes on the market," explains Alex. "It makes more sense to buy now and refinance later when rates decrease." 

It’s Alex’s educational approach and commitment to open communication that sets him apart. By being available at all times, Alex ensures that his clients always have a direct line to him. “Most people make decisions in the evening or over the weekend. I provide my cell number to my clients so they can call or text me when they have questions," he says. 

Of course, Alex emphasizes the role his team plays in keeping the vibe right throughout the buying process too. “What makes us great is our amazing processing team,” Alex claims. “Brian Daniels and Stephanie Malik, who have many raving fans [among our clients], are the two processors who communicate with our clients once they are under contract and get the loan approved with our underwriters. I also have a production manager, Matt Houdek, who oversees the entire loan process. He makes sure everything keeps going smoothly and that the loan closes on time.”

The dedication Alex’s team has for keeping the vibe right extends to the real estate agents they collaborate with as well. Alex ensures a smooth process from beginning to end by educating and pre-approving clients, staying on top of communications throughout, and ensuring timely closings. Beyond transactions, Alex also loves helping REALTORS® with open houses and client appreciation events, and by just being there for whatever they need.

“I enjoy creating relationships with my referral partners and clients as I help them with their American dream of buying a home,” he says.

Looking ahead, Alex envisions significant growth for his business. His dedication to continuous improvement and client education remains a driving force for him. However, as a family-first kind of guy, for Alex, success is not solely measured by professional achievements. "Success to me is being present for my family and making a positive impact on my clients’ lives," he explains.

Balancing his professional and personal lives is essential to Alex, a true family man who finds joy in simple, everyday moments with his wife, Jennifer, and their daughter, Piper. "Piper is seven years old now, and she will remember the things we do and say. My number one goal is to create great, lifelong memories for her the same way my family did for me when I was a kid," Alex says.

Some of the memories he’s creating now include breakfasts at Egg Harbor Cafe; walks with their goldendoodle, Jeffrey; and biking around the neighborhood as a family. These moments of balance contribute to the positive energy Alex brings to his professional life.

Alex remains close to his parents and brother. In fact, when faced with challenging days, he draws motivation from his family and their journey. Their journey as immigrants from Latvia to the United States, when Alex was six, has instilled a deep appreciation for the sacrifices his parents and other relatives made for a better life. "My family had it way harder than I do. I appreciate the sacrifices they made," he states, highlighting the resilience and gratitude that fuel his drive.

Few know that Alex was an only child for almost twenty-three years until his brother, Nikita, was born just before Alex graduated from Illinois State University. Nikita is now a world-ranked tennis player: he recently won the USTA Boys’ 18s Doubles National Championship, received an automatic bid to play in this year’s US Open, and received a full tennis scholarship to The Ohio State University. The brothers’ close relationship adds another layer to Alex’s rich family life. 

Alex and Nikita, who is now a world-ranked tennis player, have a close relationship—another layer in Alex’s rich family life.

Reflecting on his professional career, it’s clear that Alex’s values and dedication extend deeply to the people in his life, whether they are his clients, referral partners, family, or friends. By consistently setting the right vibe for home buying, Alex ensures that every transaction is handled with the utmost care, creating a lasting positive impact on all involved.