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Dean Vlamis
Senior Vice President of Mortgage Lending

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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Today's rates

Loan typeRateAPRDiscount 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 and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. 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). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

One discount points equals one percent of your loan amount.

Some jumbo loan options may not be available to first-time home buyers.

We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.

Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.

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.

VA

If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It 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.

Adjustable Rate Mortgage (ARMs)

Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.