Cathy Haddad
Branch Manager/ SVP of Mortgage Lending

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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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 and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. 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). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders. One discount points equals one percent of your loan amount. Some jumbo loan options may not be available to first\-time home buyers. We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range. Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval. 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. VA If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It 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. Adjustable Rate Mortgage (ARMs) Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.