I have been lending since 1997 and very passionate about this industry. Having such an experience base and having my incredible team helping with every transaction, our goal is to have a smooth, enjoyable, and seamless transaction for all of our clients and referral partners.
I grew up in Detroit Lakes MN and didn't fall far from the family tree. My father was in Real Estate, Building, and concrete. I guess family's with the name Carr, do a good job with Home's as well.
When not working, I enjoy spending time with my wife Amber and daughter Jozee. We spend time traveling, at our cabin in Detroit Lakes, golfing, boating, downhill skiiing, and basketball. Having a life balance and being involved with family is important and helps to recharge my batteries. I am also very involved with Rotary and have served as President of the Minnetonka Rotary Club. Raising funds and helping to offer grants & community service both locally and internationally, is an amazing opportunity to help others and " Pay it forward " for future generations.
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- Wayzata, MN
- Minnetonka, MN
- Minneapolis, MN
- Maple Grove, MN
- South Dakota
- North Dakota
- Conforming Loans
- Conventional Loans
- New Construction
- Renovation Loans
- Down Payment Assistance 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.