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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- Palm Beach Gardens, Jupiter, Tequesta, North Palm Beach, West Palm Beach, Palm Beach County, Broward County, Martin County
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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.
