I have been originating mortgages in the Wood River Valley, home to world famous Sun Valley Resort, and nationally since 2012 and have been consistently recognized for my high level production and customer loyalty. With over $400 million in funded volume and nearly 800 funded units in my career, I have developed a strong understanding of what borrowers and realtors want, and how best to deliver good customer service, competitive rates and an efficient process. I strive to grow my business thanks to word-of-mouth referrals while maintaining a boutique-style, solution driven approach. My goal is to simplify the home financing process for borrowers and realtors by making the home loan process easy to navigate. My team and I seek to educate borrowers so they fully understand their options throughout the transaction. By making the mortgage process clear and collaborative, I can close loans more quickly. I graduated from Colgate University in 1999 and moved to Ketchum, ID in 2001. I spent my first years working at the Cellar Pub before transitioning to the financial services industry with First Bank of Idaho, DL Evans Bank, Zions Bank and then Wells Fargo. In 2020, I joined Guaranteed Rate and have been impressed with their commitment to making the home financing process as seamless as possible by utilizing advanced technology, helpful resources and a transparent process. My wife, Gretel, and I have lived in the Warm Springs area since 2013 and we have a 4 year old son and a daughter who’s almost 2. I enjoy skiing, mountain biking, pickup hockey and exploring in the mountains. When not at work or play, I’m involved in the community, volunteering as the Executive Director for the Ketchum Community Development Corporation (KCDC). In 2012, I served on the Ketchum City Council.
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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).
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.