My experience and passions include: Christian discipleship, dedicating my time to my wife and children, and being a trusted and moral businessman. I have worked in the Financial Industry since 1998 in various roles ranging from customer service to accounting and project management to wholesale management. I have been honored to be award the Who's Who among America's Sales professionals in 2010 and the Silver Shovel by the Hall County Chamber of Commerce in 2010 for excellence in service. Being involved in my community is very important to me as well. I have been involved through the Hall County Chamber of Commerce by serving on the Healthcare committee, and planning committee for the Corporate Challenge and Healthfair. I have also been involved at Lakewood Baptist Church as a deacon minister, Sunday school teacher, and spearhead for the "Datenite" marriage ministry. Specialties: * Time Management * Prioritizing needs and tasks * Raising office morale * Organization * Positive thinking * Team Building * Client relationship building Now as a mortgage expert, I see myself as your home buying caddy! My job is to help you understand the right loan programs for you, assist you during the process, and assure that everything goes through as smoothly as possible. I will provide you with top-shelf products with unmatched services, and honesty and integrity along the way. Don't let the stress of the homes buying process rob you and your family of the excitement that comes from finding that 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.