Se habla Español.
I have been in the mortgage business for more than 20 years. I have had various positions in the mortgage industry as a processor, junior underwriter, closer, collections, and, of course, as a loan officer. There was a time that I was also a realtor. All these positions have given me more knowledge about the mortgage industry and all phases of the loan process.
My job is to be a problem solver, and my past experiences have allowed me to be that. I was raised in two countries, which gave me an opportunity to experience two cultures. Although I was born in the U.S., I went to high school and a year of college in South America. I transferred to Seton Hall University and majored in Economics. As a junior in college, I knew I wanted to get into mortgages. As the oldest child and second oldest cousin of a huge family, I always had the role of advising and protecting my family. This is that same behavior I take to my clients - it is a transaction with lots of decisions to be made, so information and communication are key.
My clients are mostly in Union County and Essex County. In my spare time, I like to run – in fact, this year I ran two half marathons and hope to get to the NY Marathon soon. My family has a fundraiser for needy children in Bolivia, Por La Sonrisa de un Kalawawa, and I have been active with the organization bringing toys to the rural areas of Bolivia for more than 24 years.
Aviso de Exención de Responsabilidad: Todas las negociaciones y los Documentos de Transacciones de Préstamos Hipotecarios se realizarán y serán proporcionado en inglés. Le sugerimos que trabaje con un intérprete de su elección. Podrá encontrar más información sobre el proceso de préstamo en español en https://www.consumerfinance.gov/es/herramientas-del-consumidor/hipotecas/
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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).
Product Assumptions:
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.