Over the course of a 20 year career, I have been actively involved in the mortgage lending industry, specializing in FHA, VA, renovation, commercial, jumbo, and super jumbo loan programs for residential homes, condos, and townhomes throughout Chicago-land and in all 50 US states. I was noted as one of the first renovation loan specialists in the Chicago area and came to Guaranteed Rate in 2011 to start the home loan Renovation Lending Division. I have a dedicated team of 17 staff members who can close renovation home loans in 45-60 days. My staff includes a team of dedicated underwriters to close all renovation loans, junior underwriters who pre-approve all borrowers, four supporting loan officers, architect to oversee the consultant and contractors, and a draw department to manage the construction funds. In an accolade by the Chicago Sun Times' nationally syndicated columnist, Terry Savage, my overall expertise in the industry has been highlighted as well as my in-depth knowledge of Fannie Mae's DU Refi Plus and Freddie Mac's Open Access refinance programs. I also have experience closing short sales, Real Estate Owned/Bank Owned properties, and City of Chicago programs for first time or repeat buyers. I present both locally and regionally to share my industry knowledge, specifically about renovation lending and how real estate agents can use these programs as a tool to increase their closing transactions and move hard to sell listings. I have been noted by the Scotsman Guide as a top 20 FHA Volume Originator for the past 2 years consecutively and also named to the Guaranteed Rate's President's Club for the past 4 consecutive years. I am a graduate of Rosary College in River Forest, IL with a degree in Business and a DePaul University graduate with an MBA in Finance.
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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).
Product Assumptions:
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.