I began my career in Banking and Finance and spent over 22 years in International Banking.
The past 20 years I have utilized my strong financial background and worked diligently in the
Mortgage Industry. I believe that my education and specialization in finance are a perfect fit to work in this industry and provide first class service to my clients. I fully understand the challenges that our young borrowers face while trying to achieve the American Dream. I have a passion to satisfy the needs of our clientele and will take as much time as needed while guiding them through every step of the Mortgage process. I pride myself on the level of dedication and integrity that I deliver to our customers and referral partners.
In addition, I remain in constant contact with all of our specific referral partners, as we are all working together for the benefit of the client. I am driven by the strong relationships that have helped me build my business. My business continues to grow with the reputable partner referral base and a steady flow of "word of mouth "referrals.
My philosophy is based on establishing a relationship with our colleagues and partners, and not just closing deals.
As a resident of Dix Hills for over 30 years, I have a great understanding of how important strong school districts, town services and a variety of community services mean to our homeowners.
I have raised 3 children in this neighborhood and have been extremely satisfied with the education agenda as well as the special extracurricular activities.
I am aware of the importance of strong schools and stimulating social activities that our new young homeowners are attempting to find.
Even though I am available 24/7 to my clients, I very much enjoy spending time with Family, especially my 2 Grandchildren. I am a big sports fan and try to hit the links as time permits.
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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.