When purchasing a new home or refinancing your current home you are often making one of the largest financial decisions of your life. It is the roof over your head and the place memories are made for you and your family. Making sound decisions gives you the ability to prosper and achieve your financial goals as well. You need a mortgage professional that has the experience and knowledge to assist you in making the most informed decision possible. I have over 22 years of experience in the financial services industry. I pride myself on having an extensive knowledge of the products and programs available to you in this ever changing environment. I will spend the time to learn your short and long term goals to ensure that all of your financial goals are successfully met. I believe that educating my clients and serving their needs is first and foremost. I truly want you to Enjoy the Process of mortgage financing!
"Jaime and her team are the best!!! They really do an amazing job and always are so communicative and knowledgeable!"
Veronica R. - Gilbert AZ | Jul 2022
"I recently bought a house and while this can be very stressful, I felt 110% confident I was in good hands with Jamie. The morning texting, late night phone calls and emails Jamie was always positive and patient. She was candid, provided great feedback and helped explain every detail. Jamie is not only a fantastic loan officer, she is an excellent support system. Her fun and positive attitude made her a joy to work with and her honesty was refreshing. We would highly recommend Jamie to anyone interested in purchasing a home!"
Kimberly J. - Phoenix AZ | Jul 2022
"Jaime Kinman was always available to answer questions and kept me informed all along the way to my home purchase."
Julie S. - Scottsdale AZ | May 2022
"Jaime has been amazing to work with! She and her team made the process so easy!"
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 and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. 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). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
One discount points equals one percent of your loan amount.
Some jumbo loan options may not be available to first-time home buyers.
We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.
Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.
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.
If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It 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.
Adjustable Rate Mortgage (ARMs)
Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.