Originally from Southwestern Michigan, I moved to the South to attend college at Clemson University. There, I completed a bachelors of science in Business Management and a minor in Music in 2002. After graduation, I made my way to the coast of South Carolina and settled on Hilton Head Island, having extended family here as well as it being a vacation spot for our family since the 1980s. I got into the mortgage business in 2003 and never looked back. Shortly after, I met my wife Suzanne, the love of my life. We have three wonderful children and are fortunate enough to have both our parents here with us locally as well as our siblings, cousins, aunts and uncles.
In my nearly 20 yrs of Hilton Head Mortgage experience, I worked for regional and national lenders. I owned my own brokerage for many years and then went into private banking. I have created solutions for everyone from first time homebuyers, to very complex clients with high net worth. Relationships are at the heart of my business strategy. I am not transactional, that does not interest me. I want to connect with people and build relationships that are long lasting. Every client is unique, every deal presents it's own set of challenges, and I pride myself in creating the best solution for each individual to not only get them what they need when they need it, but for them to have a fantastic customer experience throughout the process.
When I am not working, I enjoy spending time with family and friends. We spend many weekends at competitive gymnastic meets and little league tournaments all around the Southeast. You may see me out playing guitar around the Island or at a local car show with my kids. The active outdoor lifestyle that this area provides is second to none. Hilton Head is truly a one of a kind, special place to call 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.