I've helped thousands of home buyers and refinancers get safely through the home mortgage minefield over the past 30+ years, all of whom came to me by referral. I've been told that I help reduce the anxiety and confusion many people have when applying for a mortgage. My experience training thousands of real estate agents and loan officers in the mortgage process helps me to explain complex things simply to my clients. I work equally well with financially savvy people who want to consider multiple aspects of mortgage financing, such as closing costs vs. interest rates, and their long and short term financial goals.
Here is what just a couple of my clients have said about their experiences:
"I couldn't have asked for a better level of service. Not having purchased a home in 31 years I needed a lot of handholding during the process and Dominick and his team provided the handholding needed. They made what could be a very stressful process – stress free and dare I say- fun. I would unequivocally recommend them to anyone contemplating a purchase. I felt I was not being "sold" and was always getting the straight answers to my questions. Couldn't ask for more."
"Dealing with Dominick is like dealing with a family member. You can call him day or night, weekday or weekend, and he answers your call. He spends as much time as necessary to answer your questions and provide information you didn't even know you needed! If you want to deal with an expert who provides a great experience, call Dominick. There is no one else I would trust in the mortgage business like I trust him."
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|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.