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Hi, I'm Jeffrey Kissel. I am going to help you take back your time and make your mortgage process an empowering experience. Working at multiple areas in the mortgage industry over the past 14 years on thousands of loans has given me a unique perspective on the process. Using my team, technological integration, communication and experience I allow you to rely on the process so your mortgage moves forward while you live your life without constant interruption.
To start working with me book an appointment hereor through the link below. You can also click the apply now button here of above to start the process today.
Once you click on "Apply Now" you will be connected to the process and you can begin your journey with me to a new home, or we can see if you can get a lower payment or cash from your equity to help realize a goal.* Fundamentally a mortgage is a tool used to improve your life and solve problems so the more I do the better I sleep at night.
*Savings, if any, vary on a variety of factors.
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- Serving all of California
- Arizona
- Oregon
- Georgia
- Purchases
- Refinances
- First-time Home Buyers
- Cash Out Refinances
- Jumbo Loans
- Real Estate Investment Lending
- FHA Loans
- VA Loans
- USDA Loans
- Debt Consolidation
- HELOCs
- Special programs for medical professionals
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Today's rates
| Loan type | Rate | APR | Discount points ($) | Mo. payment |
|---|
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.
