“Honesty, integrity, knowledge and hard work are the cornerstones to providing superior customer service.”- Dave utilizes these qualities in every aspect of business and personal life. His marketing strategy is built on referrals only, he guarantees to make your mortgage experience a great one! Dave joined Guaranteed Rate in July 2018. He holds a BS in Business Administration from Eastern CT State University and has over 18 years of experience in mortgage banking. He has held titles as Branch Manager, Sales Manager, and Area Manager, but has decided that his role as a Loan Originator is the right fit for him and his clients. Dave has been a consistent top producer and has relied mainly on customer referrals which is a testament to his service with integrity. He is knowledgeable in all products and aspects of your purchase or refinance transaction. Finding the best possible solution and commitment to detail is what sets him apart from his competition. Dave resides in Beacon Falls, CT with his wife, Jennifer. They have 2 girls, Abby and Emma. In his spare time, Dave enjoys golfing and skiing with his family. Dave also enjoys coaching soccer in Prospect for the past 8 years and watching his girls develop into young adults. Dave is very approachable, so reach out at any time.
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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.