I have been a lead home mortgage originator in Hawaii for the past 18 years. I graduated with a BA degree in Film/Television production from Columbia College in Los Angeles. I spent 12 years working with Universal Studios, Propaganda Films and various other production companies in Los Angeles before opening my own post-production company, US 2 Editorial, in 1993. During my career I worked on many high-profile projects including: Feature Films: E.T., Back to the Future, Fast Times at Ridgemont High, and The Breakfast Club Music Videos: Michael Jackson, Madonna, Sade, Barbara Streisand and Bon Jovi -Commercials: Pepsi, Nike, Ford Motors, Reebok, Toyota, Coke and Apple Computers In 1999, I relocated to Hawaii to pursue a better quality of life. I had spent almost 20 years in the entertainment business, and it was time to take count of what was important to me for the next 20 plus years, and Hawaii was the answer. I was hired as a home mortgage consultant with a national bank in July 2001. In my first year in the business, I was ranked one of the top ten originators in the state and in 2005, I moved into the Private Banking division, where in addition to originating, I was trained as a Level 1 Underwriter. This additional industry skill has propelled me to consistently rank in the top 10 percent, nationwide from 2005 to 2013, for sales volume funding and customer service loyalty. With more than 18 years in the business, I have extensive experience with all loan types, including conventional, government and commercial programs. The highest compliment I can receive is a referral. My priority is to have satisfied clients for life, and I will do everything possible to ensure everyone is provided with a high level of service throughout their transaction. If I do a great job for them, they will refer their friends and family, which is the highest compliment I can ever receive.
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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.