Dean Vlamis, Vice President of Mortgage Lending at Guaranteed Rate, has been originating mortgages for over 19 years and has consistently ranked as one of the Top 200 Mortgage Originators in America. After leaving the trading floor in 2000, Dean sought to find a job that would challenge him and would allow him to use his strong work ethic to help grow his business. After finding his niche in mortgage lending, and after going through an overwhelming mortgage experience himself, Dean made it his goal to keep clients informed about the mortgage process while helping them purchase their perfect home. By providing honest and responsible advice to clients, Dean and his team pride themselves on delivering a smooth mortgage experience to every client. What is Dean’s advice for new or first time home buyers? “Make sure you are comfortable with the payment and make sure you are working with an expert in the business. The industry has changed and the mortgage process can be tedious. It is important that you work with someone who will explain everything to you. I make it a point to make sure all my clients are informed throughout the process.” When Dean is not originating loans, you can find him spending time with his wife, Neena and three kids, Michael, Kosta and Eleni. “They are the most rewarding part of my life”.
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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.