Jeff Harris is a Mortgage Loan Officer at Guaranteed Rate and a retired member of the U.S Navy. Jeff served on board the USS Independence as an Aviation Ordinance person in the Aviation Intermediate Maintenance Department while foreign deployed in Yokosuka Japan from December '95 until its decommissioning in Bremerton WA in '98. Having received an Honorable Discharge in '98, Jeff went on to college in Canada to study Anthropology and Cultural/Historical Geography at Kwantlen University College and the University of British Columbia. During University, he found his passion for Real Estate and began to build his Real Estate Portfolio through taking the "know how" skills he learned in the Military, combining it with the Geographical knowledge learned in University, and began investing, renovating, and then managing those Real Estate investments. In 2010, Jeff moved back to his home town of Rohnert Park California and began a new career as a Mortgage Loan Officer. In 2011, Jeff Harris brought to Sonoma County the Homes for Heroes Program, teaming up with Real Estate Professionals and Trades People to support local Heroes by giving massive rebates and discounts in most Real Estate Transactions: Buying, Selling, Refinancing, Renovations & Repairs. Homes for Heroes: If you are a Veteran, Firefighter, Teacher, Healthcare or Law Enforcement Professionals and would like to know more about our Homes for Heroes program please call 707.331.0111. No Cost / No Obligation: My Pledge to you.
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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.