As a seasoned mortgage loan originator and CPA, Erin Milstead applies extensive knowledge, constant communication and relentless work ethic to the mortgage process. Erin and her team are well equipped to seamlessly handle your business from start to finish, providing an elevated standard that clients appreciate.
Whether working with first time home buyers establishing new credit or experienced investors with a large portfolio, Erin works hands on with each client to structure a unique plan specific to individual goals. Her top priority is making sure that each client can secure the best financing available, including down payment assistance programs and other effective incentives. She offers an impressive portfolio of products, a background in tax that gives her the ability to really understand the intricacies of self-employed individuals and real estate investment strategies, and the managerial expertise to help structure and execute your short and long term financial objectives.
Erin’s personal touch has created lasting relationships with clients that go far beyond the mortgage process, with most of her business being generated from past clients and professional business partners. Erin takes a vested interest in the lives of the clients that she works with, subscribing to the mindset that she will be monitoring your mortgage needs for life. Erin and her team are committed to providing the best possible experience for all parties involved.
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| Loan type | Rate | APR | Discount points ($) | Mo. payment |
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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.