Erik has been in the Banking industry since 2004. Since then he has honed his skill set, keeping up to date on the latest products, programs, and guidelines. This is just one of the many reasons why you are in the safest of hands when working with him. Whether you are a first-time homebuyer, a Builder, or Real Estate Investor, Erik goes above and beyond the typical Loan Officer, building complete trust and confidence establishing life-long clients. He understands that First-time homebuyers naturally have many questions, so he makes sure that he can answer them all. He has a vast referral network of Real Estate Agents, Financial Advisers, Builders, Construction Companies and Appraisers over the years, so if for some reason, he is unable to answer a question you may have, he ALWAYS has someone who will be able to get you the right answer immediately. Erik strives to be your “go-to guy” whenever you, a friend, or family member have any questions or concerns on anything Finance/Real Estate related. He has always been a problem solver, thinking outside the box, which has also contributed to his success thus far. He encourages all prior clients to reach out whenever they need any assistance in any capacity. In his spare time, Erik enjoys attending/watching sporting events, spending time with friends & family, and donating time to various charitable organizations. In fact, he started a Non-Profit Charity called MFC (Masons for Children) back in 2010, where he & his team of 4 other friends have raised thousands of dollars, all of which were given directly to Boston Children's Hospital. Guaranteed Rate is not affiliated with Masons for Children nor does Guaranteed Rate sponsor or endorse Masons for Children.
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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.