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Carrie Bertsos-Sharp
SVP of Mortgage Lending

I have been working as a mortgage professional in the Chicagoland market for over 15 years. I grew up in the South Suburbs of Chicago and graduated from Loyola University with a BA in Finance and a minor in Sociology. During my career I have earned many awards and accolades, including Guaranteed Rate President’s Club. I am also honored to be recognized as a “Top 1% Loan Originator in the Country” (by Mortgage Executive Magazine, 2012 and 2013). I am fully confident that I will sustain continued excellence in any market due to my strong work ethic, vast experience, customer service orientation and professional relationships. My team and I strive to go above and beyond to help our clients and real estate partners by offering unparalleled products, personalized service, the best possible pricing and a transparent mortgage process. I will always make an effort to inform my clients about each and every viable option available to them in an honest, open manner so that they can choose the one that is most appropriate for their situation. They can also rely on an incredible level of attention to detail to ensure that there are no last minute surprises before closing and that their home purchase will not be compromised in any regard. Homeownership is the most important financial decision people will ever make, and I truly enjoy helping my clients achieve this dream by helping explain the intricacies of the process. The greatest part of my career is the feeling I get when witnessing how excited homeowners become once they are handed the keys to their new home. There is simply nothing more rewarding than knowing that I played a vital role and helped someone achieve this monumental goal!

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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

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.