Positive attitude, dedication and a commitment to excellence are three words that perfectly describe Mr. Ali Shami. Celebrating 27 years in the mortgage industry, it is obvious that Mr. Shami is passionate about helping families and individuals achieve the American Dream of Homeownership.
In 2003 Mr. Shami was presented with the Dedicated to Excellence Sales Award. This award is presented to the loan officer who offers superior customer service and consistently meets and exceeds sales goals. Mr. Shamis understanding of the mortgage products available is unmatched by others in the industry. Tailoring the mortgage product to best suit his clients needs is something that he takes pride in and has mastered during his lending career.
Relationship building is of great importance to Mr. Shami. Much of his business is built on referrals from past clients and the real estate community. Mr. Shami is very involved in community events and organizations .
Mr. Shami was asked by the University of Michigan and the Michigan State Department to act as a delegate oversees in bridging the two countries as well as the two cultures. Mr. Shami refers to this experience as being incredibly full-filling and worthwhile.
Life coaching and motivational speaking are also a significant part of Mr. Shami's life. He is coached and also coaches others to strive for excellence in their professional and personal lives. More than a mortgage professional, Mr. Ali Shami, is a pillar in his community and beyond.
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This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate, Inc. and are subject to change without notice. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges).
Product Assumptions:
Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.
Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.
FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.
VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
One discount points equals one percent of your loan amount.
Guaranteed Rate, Inc. has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.