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Cherry Wiggins
VP of Mortgage Lending

Cherry Wiggins
VP of Mortgage Lending at Guaranteed Rate
Cherry's strengths are her energy, enthusiasm and attention to detail. She loves helping her customers through the loan process every step of the way. Her own personal experiences of attaining mortgage funding before entering the mortgage industry led her to a staunch belief that, "It just shouldn't be that hard and confusing." This is the over-arching concept by which she approaches each client. She takes pride in educating her customers and making sure they understand their loan options. Cherry and her personal teammates are committed to making the process easy, friendly, simple, and seamless. If you are purchasing a new home, refinancing, or looking to invest, you are exactly the client that Cherry NEEDS to fulfill her greatest joy- helping others realize their goals and dreams! It is her unwavering mission to provide a 5 star experience for you throughout the entire process.
A 5 Star experience is not limited to numbers and rates. More often than not, the process lends itself to cultivating a trusting relationship. Cherry gets additional and natural practice at relationship building in her personal life. She loves to spend time with her husband (John) and their twin sons (Brady & Brody) and daughter (Briley). She says that her "constant reminder that Jesus loves her" are her fur babies, Aubie and Ollie. The Wiggin's live in Baldwin county and enjoy the blessings of coastal living such as going to the beach and boating. They are members of City Hope Church and have been actively involved there and in the community they love since 1999.

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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.