With over 19 years of experience in the mortgage industry, Cathy has ranked in the top 100 Loan Originators, which is the Top 1% in the country for the past 9 years in a row. Cathy has funded over $250 million in closed volume year after year with helping more than 590 clients each year. Cathy is known for getting loans approved that other banks couldn't get done. Whether you are a first-time home buyer looking to invest, trade up, or decided to downsize, Cathy will be there to help you through the whole process. Guaranteed Rate offers a variety of loan products out there which allows Cathy and her team to help you with your specific mortgage needs! My goal is to provide the highest level of customer service so that your experience is stress-free, memorable, exciting, and rewarding. I will help you evaluate your situation to find the most applicable mortgage option that fits your short and long-term goals. It is important that we communicate effectively and for you to provide input so that we use the loan product that is right for you. Everyone has a different goal and a different situation. Our customized approach to mortgage lending ensures that the right loan product will be recommended to my client! When you work with me, you also work with my trusted assistants Beth & James. They help make the Cathy-H Team as successful as it is through their knowledge of the mortgage industry and being able to problem solve any situation that may arise. They are intelligent, patient, and always willing to help. We know how frightening this process can be and are more than happy to walk you through it from beginning to end. With our team culture, we will always be able to answer your questions and respond promptly. Working as a team allows us to be there for you when you need us. Being a Mother to two beautiful girls and working full time, I can understand how valuable your time is and will work with you. As a team, we will guide you from your "pre-approval" to your first offer to your closing. Our goal is to create an experience that you will enjoy & as stress-free as possible! We want you to turn to the Cathy-H Team at Guaranteed Rate as your lender now and in the future. As always, we value the input of our clients and referral partners. We welcome any feedback that will help you and your future clients.
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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.