The mortgage business has changed dramatically, and navigating the criteria for loan approval have never been more difficult. Now, more than ever you need a true mortgage professional in your corner. I am prepared as ever to work with you, having closed more than 2500 loans and having an incredible team of experienced mortgage lending professionals behind me. You can rest assured that we will provide the level of service that you should always expect--personalized, compassionate and comprehensive. Experienced in all facets of mortgage lending from cottages to castles. For over 23 years I have been helping families realize their dreams of home ownership and building equity. I have worked with builders and developers on major projects as well as individual real estate agents and home buyers. I have served on the Market Finance Committee with the Building Industry association for many years. I am also the proud recipient of Orange Coast Magazines five star professionals award for the past 4 years in a row. This award is especially dear to me because it is awarded to only the top 7% of mortgage professionals in Orange County. It is determined by surveys of home buyers as to their experience in purchasing a home. I am experienced in construction to perm loans, new construction, luxury home purchase as well as first time buyer, VA and FHA.
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- Los Angles County
- Orange County
- Ventura County
- Jumbo Loans
- Self Employed Income Loans
- First Time Home Buyer
- Renovation Loans
|Loan type||Rate||APR||Discount 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).
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.