WHY BETH ZAMISKA? Beth Zamiska received 100% Customer Satisfaction 5 years in a row! Beth has been in active in the real estate and mortgage industries for over 21 years, first as a real estate agent selling co-ops and condos on the Upper West Side and then, starting in 2001, as a top mortgage broker. After financing two of her family’s own homes in Manhattan, as well as a second home in Bridgehampton, she was drawn to the challenge of finding the perfect mortgage among the many complex offerings. Having financed real estate from both sides of the table, Beth is well-aware of the value a high-performing mortgage broker can bring to what is typically a daunting process and will advocate tirelessly for every client she serves - qualities that have helped build her loyal clientele. Her client list is diverse: first-time homeowners, senior banking executives, and seasoned Manhattan real estate developers all of whom continue to rely on her deep industry knowledge and careful planning which are reflected in her unbroken track record of successful closings. What Beth’s clients seem to appreciate most are the insight and clarity she brings to the process. She considers each client’s circumstances and offers options and guidance throughout the process, clearly outlining the advantages and disadvantages of each loan product under consideration. With Beth’s personalized and transparent approach, it’s no wonder so many customers continue to place their trust in her and recommend her to friends.
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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).
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.