Visit my Zillow profile at https://www.zillow.com/lender-profile/jgomes311/ I started in the Mortgage industry in 2013, just before graduating from Southern Connecticut State University, where I received a degree in Business Management. While completing my studies at the University, I knew I was seeking a career where I could make a difference, actively help others, and enjoy life doing it. Let me tell you, there is no better feeling than helping someone achieve the dream of home ownership! Being a trusted Loan Officer that a consumer can seek guidance and financial advice from is my number one goal. I come from a very big, loving, Portuguese family. Both my parents moved from Portugal to America in the early 80s to start their new life and family. I’m originally from Bridgeport, lived and raised in Shelton for most of my life, and a recent resident now of Monroe. My life revolves around spending time with family, staying active with my health, playing sports as often as I can, and being a husband to my beautiful wife, Kara. #Mortgage #Loans #Purchase #Refinance #FirstTimeHomebuyer #LendingInAll50States #CTrealEstate #RealEstate #LowRates #TeamGomes
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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.