My career in the mortgage banking industry has spanned over 40 years and various states. During this time, I have held positions at many levels and continue to enjoy a very rewarding and exciting career. As happy as I have been with my career choices throughout my years of experience, I have never been more excited than I am now by working at Guaranteed Rate. I am surrounded by a staff full of talented, highly experienced associates. We are there to help each other by providing support to our clients, business associates and our community. The fact is that people still need home loans whether they are purchasing or refinancing. The challenge is to get the right advice and help from someone they can truly trust. It takes years of experience to fully understand all the loan programs available. I have that experience and I have worked hard to consistently stay on top of market changes. Please contact me and we can start building a valuable relationship. I own a 2nd home in Mt. Pleasant South Carolina and now work with Guaranteed Rate, a company lending in all 50 states. Since I'm a home owner in Charleston County along with my 40 years of lending experience gives me a distinct edge in assisting in the homebuyer process.
See my video
Recent reviews
Loading Rates...
Today's rates
| 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).
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.