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Jeff grew up in the Pacific Northwest moving to California to attend Santa Clara University to study economics. His junior year he spent learning language and culture in Alicante, Spain. After graduation Jeff headed south to Santa Barbara where he now calls home. He began his work in the home loan industry immediately after the university, working in a top tier mortgage broker's office, getting world class loan and customer service training. Seventeen years into the business Jeff has built a broad and deep based knowledge of the lending industry. He is an advocate for his clients and referral partners. Practicing high levels of communication, he knows what it takes to get a loan through the system in an efficient and limited stress manner. He uses the technology tools available to streamline processes and enhance client experience and communication. He is excited for you to try the world's first Digital Mortgage. He looks forward to working with you.
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- California, Arizona, Oregon, Texas, Florida, Washington, Tennessee, Colorado & New Jersey
- H1B Visa Specialist - Tech Companies. Purchase and Refinance home loan transactions. Residences up to 4 units. Loans up to $5M. Conforming, Jumbo-Conforming, Jumbo, FHA, and VA. We also offer HELOCs.
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Today's rates
| Loan type | Rate | APR | Discount points ($) | 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.
