After spending my early career in corporate sales and marketing with companiesand three separate start-up software companies, I took this invaluable experience and started my new career in the mortgage business as a Loan Officer. Within a year this led to an opportunity working with a small local firm, a place where I could serve the local community in Newport County. Though a merger or two, I have now landed at Guaranteed Rate and able to increase our presence in the RI market exponentially and I'm pleased and proud to be a VP of Mortgage Landing with over 16 years of mortgage experience. This experience allows me to deliver the best mortgage experience to my clients with a friendly, honest, and professional manner. Professional Affiliations: National Association of Mortgage Bankers (NAMB), Rhode Island Mortgage Bankers Association (RIMBA), Mortgage Bankers Association (MMA). Newport Country Board of Realtors, Newport County Chamber of Commerce, Business Networking International. Personal Interests: I live in Portsmouth RI with my wife Tobi, our son Bennett, and our bulldog Mater! Being an avid golfer, I am a Panelist for Golf Digest's Top 100 golf courses in the US. I'm also very active in youth sports, including board membership on the Portsmouth Little League, Babe Ruth League, and the Challenger Little League.
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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.