Jeff began his mortgage career in 1997 after graduating from the University of Illinois at Urbana-Champaign. He quickly won production awards as a top loan officer due to his ability to take care of the client and deliver an efficient and transparent mortgage approval process. In 2018, Jeff brought his experience and knowledge of the mortgage lending industry to Guaranteed Rate to further improve his focus on the client. One of the many reasons that Jeff chose to partner with Guaranteed Rate is their complete focus on customer service. Guaranteed Rate is an industry leader in regards to technology and was the first mortgage company to deliver an entirely digital mortgage approval process. Because 100% of his new business comes from referrals, it is his promise to make these referral sources proud that they referred him to their clients and friends. Jeff believes that the finest compliment one can ever receive is a referral from a real estate associate, trusted adviser, or previous client. Jeff has been a resident of the Oak Park/River Forest area since 1999 where he resides with his wife Elizabeth and son Henry. In his free time, he enjoys playing and listening to music, reading books on Chicago-area architecture and history, and helping Elizabeth with her jam-making business.
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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).
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.