I grew up in the Pacific Northwest enjoying spending time at my grandparent’s oceanfront home in Arch Cape Oregon, riding horses, skiing, & all that the '60s & '70s had to offer. Moved to Truckee near the north shore of Lake Tahoe in the Sierra Nevada as the chef of my cousin's Italian restaurant. While working there I also became a ski Instructor at the Tahoe Adaptive Ski School at Alpine Meadows and ultimately becoming a member of the National Handicapped Sports Clinician Team having many 100+ day years of Skiing. In 1989 I took my great grandmother Hawkins' Recipe for Dill Pickles and started Bill's Dills making Mellow & Hot Garlic Dill Pickles for over 10 years. I moved on to Pacific Grove in the late '90s to become Assistant Food & Beverage Director at the inn at Spanish Bay in Pebble Beach and played golf at some of the best courses on the planet. Other opportunities brought me to the San Francisco Bay area where I met the girl of my dreams coinciding with my becoming a Home Mortgage Consultant in 2006. We've been together ever since and escaped "Taxifornia" to the Austin Texas area in early 2020. We're looking forward to what the great state of Texas has to offer.
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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.