BS Business, BA Economics 12 years experience in mortgages. USDA, FHA, VA, Conforming, Jumbo, 1st time buyers, Investors, Relocation, Divorcing, Tax Credits, 100% Financing Previously a Global account manager for a high tech company, working with corporate executives, I bring a strategic approach to providing your mortgage. At Guaranteed Rate I can offer the low, low rates you brag about at the water cooler, but often there are other options to consider, and it may provide you with a more suitable loan. Loans that may have a better cash flow, a better return on your investment, or lower initial outlays of cash, that are better for your particular home ownership strategies. There are many options to consider, and I am happy to explore them with you! 1st time buyer? I have 3 children of that age, and will help explore the strategies that will best suit your needs as well. 1st time buyer specialist, Utilizing IRS tax credits for 1st time buyers to receive up to 30% of the interest paid annually back to you for the life of the loan as a tax credit! Jumbo? No problem. Investors with multiple properties? No problem. Self / Employed? No problem. In a world of high tech, texting, tweeting and email and online, I provide a personal level of service rarely found now. Yes, I have the tech, and we will use it where appropriate, but I am personally available to assist you via phone, or face to face. Let me know how I can help 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.