As a mortgage professional, my top priority is to help clients navigate the sometimes challenging world of lending. Some of those challenges include helping clients achieve their mortgage-related goals for retirement, a new home, an investment property or 2nd home, debt consolidation with a cash out refinance*, selling a home after a divorce settlement or simply looking to save money each month**. My experience and expertise allow me to provide top level service and treat each of my clients like family. I am the “go-to” resource for solving all types of challenges. I consistently provide clients with helpful advice, direction, and valuable services which enable them to have a more enjoyable real estate experience. Some of the services I provide include addressing each client’s individual questions and concerns, and discussing their overall desired result. I work at educating clients and keeping consistent communication so they avoid feeling confused, anxious or unsure of what is going on. When the process is clear and each step is communicated, the result is simply amazing. As a Santa Barbara native I have a deep appreciation and connection with the outdoors, especially the ocean. I’m a third generation surfer and am raising a family here in my home town. As one can see, I bring my “personality” to work and into my clients’ lives – whether those clients are individuals, families, or Real Estate professionals. My clients consider me a trusted friend and a valued part of their extended family, and quite honestly, that’s the greatest compliment I can receive. When we do business together you will see that it’s also the expectation I set for myself with every client, every time!
- Using funds from a Cash-out Refinance to consolidate debt may result in the debt taking longer to pay off as it will be combined with borrower’s mortgage principle amount and will be paid off over the full loan term. Contact Guaranteed Rate for more information. ** Savings, if any, vary based on consumer’s credit profile, interest rate availability, and other factors. Contact Guaranteed Rate, Inc. for current rates. Restrictions apply.
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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.