Jim Giacone
Branch Manager

Jim Giacone grew up in New Jersey and graduated from Penn State University before moving to South Florida over 25 years ago. Jim has worked in the mortgage industry for 25+ years, helping thousands of families finance the home of their dreams and funding over a billion in residential mortgages. He has had a long-standing history of serving the Palm Beach community as a reliable mortgage lender, earning the trust and respect of many top local builders and real estate agents. With his years of experience and in-depth knowledge of loan products, secondary markets and underwriting guidelines, Jim and his team make the loan process easy to understand and put their customers at ease during each step of the process. Jim's success comes from his commitment to superior service, integrity, ethics and building client relationships for life. He builds these relationships from the start by educating his clients and helping them find mortgage solutions that meet their unique and individual needs. Jim specializes in financing single family homes, townhomes and condos in Palm Beach, Broward, Miami, Dade, and Martin counties, as well as the rest of Florida. His focus is Florida but is also licensed in New Jersey, New York, and Pennsylvania. He has extensive knowledge of FHA, VA, conventional and Jumbo financing options. His clients range from first-time homebuyers to self-employed clients purchasing million-dollar second homes, and his business is built 100% on referrals – from raving-fan clients to top realtors, attorneys, and financial planners. Throughout his professional career, he has received numerous top sales and leadership awards. He is currently in the Top 1% of Loan Originators nationwide and has been named a Top Producer by National Mortgage News in 2018. He joined Guaranteed Rate in late 2012 and has been a member of the President's Club for since 2015. Beyond serving his clients, Jim enjoys playing golf, playing drums in his church's worship band, working in the garden at his home and traveling with his wife.

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    Loan typeRateAPRDiscount 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 and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. 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). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders. One discount points equals one percent of your loan amount. Some jumbo loan options may not be available to first\-time home buyers. We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range. Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval. 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. VA If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It 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. Adjustable Rate Mortgage (ARMs) Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.