Community and public service have been my passions since a young age. I was fortunate enough to attend Boston College High School, where our motto of "Men for Others" has been a major influence in my personal and professional life. After graduating from Boston College in 1994, I worked in the public sector for 8 years. I entered the mortgage lending industry in 2002. I make a difference in the lives of individuals and couples on a one-to-one basis.
I understand that purchasing a home can be one of the more stressful life events that you may experience. Therefore, I make time to educate you about the process and understand the difference between a pre-approval and your comfort level with a monthly payment/affordability. I will keep you updated throughout the process with my "Doug Hug" calls every Monday and Friday to relay important information while your loan is being processed. Education and communication are two key factors in your dream to home ownership.
My goal on each and every transaction is for a client to feel like "that was not as bad as I thought it was going to be." I make the time to understand your goals, educate you about the real estate financing process, and communicate with you before, during, and sometimes after the buying process. I would be honored to help you navigate the multitude of programs available to you from First-Time Homeowner programs to conventional, government- FHA & VA, Reno, and Jumbo programs. Let me help you figure out what program will fit your needs.
Do not hesitate to call me on my cell phone, day or night at 617-922-1990.
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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.