Christian grew up in Southern California, attended a top tier boarding high school in New York, and then studied Economics & Business at Westmont College in Santa Barbara. After graduating in 2010, Christian went on to work at Mercer Advisors within their Investment Operations Team, and then at Raytheon Space and Airborne as a Cost Planner. Both experiences provided him with world class financial analysis and client service skills. After marrying his college sweetheart, Christian decided to follow in his father-in-law's footsteps and work as a mortgage broker. Today, Christian serves as a guide for his clients, bringing his financial planning perspective to the home buying and refinancing process to best strategize on how to structure a loan for a client with their future in mind. Practicing high levels of communication, he knows what it takes to get a loan completed in an efficient and limited stress manner, all while ensuring his clients and colleagues are well informed. Christian is a member of the National Association of Mortgage Brokers and holds their Certified Veterans Loan Specialist (CVLS) certification. VA loans are an amazing benefit that veterans have earned. Christian’s expertise helps service members, veterans, reservists, and surviving spouses become homeowners and maximize their benefits.
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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.