Now Offering HELOC! Available 7 Days a Week.
Hello, my name is Giovanni Schettini. I am a Loan Officer. As a double eagle, Boston College High School and Boston College graduate, my education was rooted in a world view that called for me to learn, search for truth, and to live in service to others. I was urged to develop my mind and talents to the fullest and to use them to help others which has led me to the mortgage industry.
Purchasing a home is one of the biggest milestones and purchasing decisions of your life. I have been in the business for over 5 years and have toiled tirelessly to identify the basic parts of the homebuying process and home loans. By nature, I expend a lot of mental energy to produce precise and thorough facts which has led me to making the home buying process as simple as possible. I derive much satisfaction from this and knowing that I will make this step stress free for you so that you can achieve your goal, prosper, and flourish. I will work diligently, persevering to the very end for you. If there are any roadblocks, I will be able to recognize them very early on in the process and guide you in the right direction.
When you're ready to buy, you can trust me to help you achieve your homeownership goals. I have more options to fit your financial needs, more experience to help you make confident decisions, and a streamlined process to fit your timeline. Your needs are my number one priority, I'll guide you every step of the way for the right home loan for you and your family.
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- Essex County
- Middlesex County
- Soffit County
- Mass Housing
|Loan type||Rate||APR||Discount points ($)||Mo. payment|
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.