I am a graduate of the University of Massachusetts at Amherst, where I played college Basketball in the mid 1990's, I have been in the real estate profession for over 15 years. After earning my Bachelors degree in Business Administration in 1998. I played professional basketball in Puerto Rico and the Dominican Republic until retiring in 2006. Shortly afterwards I relocated back to Boston, Massachusetts and got started on my real estate finance career.
Throughout the past years I have helped many borrowers fulfill the dream of home ownership. My competitive and passionate approach to everything I do has given me the edge to excel in the mortgage business. I strive in delivering a very personal and one on one customer service experience. My deep knowledge of programs has allowed me to adapt to every scenario and help my customers achieve their ultimate goal. I am a true team player and understand that working together is crucial to a company's success. I have been very fortunate to work with and meet a lot of very interesting individuals throughout my career.
I have always accepted each and every challenge as i worked to meet all my customers needs. I am always eager to learn new things and believe that education and preparation is the key to success. In my down time I do the most important thing in my life and that is spending time being a father to my two beautiful sons. When I get a break, I enjoy networking, working out, listening to music and playing some basketball. I can be reached via phone, email, DM and follow me on LinkedIn, Twitter, Facebook, and Instagram to get to know more about what I do and how we can work together. I am always looking to grow my network and meet new people.
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Today's rates
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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.