I have been in the mortgage business for over 20 years. During this time, I have had the pleasure, and the privilege, of helping thousands of people with buying their dream home. I have also been able to help my clients refinance their homes to save money, pull money out of homes to renovate, and help consolidate their bills, which is especially useful when they have student loan debt. To me, these aspects of my job are extremely rewarding. There are not too many professions that have such an instant and profound impact on peoples lives, and I thoroughly enjoy having the opportunity to help others. My high school education took place at St Sebastian's School in Newton, MA (now in Needham, MA). From there, I went on to get my bachelor's degree from Providence College, majoring in Marketing. Over the years, I can see where these two schools have really helped guide my life toward a profession where I am able to serve and help others. I currently live in Norfolk, MA. I am married and have two children. I am proud to say that both my daughter and son have graduated from Boston College. In my free time, I try to go to as many sporting events at "The Heights" as I can. I'm also still trying to work on my golf game. Life is good!
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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.