During my career I’ve held positions of processor, underwriter, Branch Manager, Regional Operations Manager, Regional Production Manager and State Manager. These roles allowed me to help other loan originators grow their business and help thousands of borrowers. This inspired me to change the path of my career and move into the VP of Mortgage Lending role so that I could personally work with referral partners and borrowers and experience their joy of owning a home. One of my favorite aspects of working in mortgage lending is building relationships. I’m always excited to meet new people and look forward to checking in with past clients. I value honesty and transparency and will always make sure my clients and referral partners are in the loop throughout the entire process. During my initial meeting with a borrower we discuss their short- and long-term financial goals. Having this knowledge helps guide us to the perfect loan program that will keep them on the right path. In addition to helping first-time homebuyers, I have a wealth of experience with Conventional, FHA, VA, and Jumbo loan programs as well as assisting customers seeking a second/vacation home, investment property, refinance. I have a passion for Renovation Loans (203K, Fannie Mae Homestyle, and VA renovation) and teach continuing education classes to Realtors. The renovation loan is unique as it allows the borrower to personalize and customize their home into their dream home.
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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.