Dan was born in Colorado but grew up in Casper, Wyoming. He proudly claims "native" status of both states. After graduating from the University of Wyoming he started his mortgage business in Denver, where he has spent almost 30 years.
In a Seller's Market, it is important that buyers be able to move quickly. Dan's team at Guaranteed Rate prides itself on providing excellent communication and industry leading turn times that will help your offer stand out above the rest. Our team concept and "Direct Lender" status allow us to provide rates and turn times that can't be matched.
In Dan's 25+ years in the industry, he has learned that there really are no "typical" clients. Every client is unique – we all have different motivations, priorities, and needs. Dan knows that it is his job to identify those needs and help each client achieve their personal goals in the most efficient way possible. Always looking for new ways to find better solutions for buyers, Dan's in-depth insight and experience lets him identify potential issues before they can cause problems. His consistent focus on communication and teamwork enables him to deliver the highest level of customer service possible.
In his free time, Dan loves to spend time in the mountains with his wife Stephanie and their two daughters. The girls love weekend "adventures" visiting family and friends throughout Colorado, Wyoming, and the western states. Dan's hobbies are snowboarding, skiing, golf, fly fishing, and cycling.
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- Conforming Loans
- FHA Loans
- VA 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.