Jim Parker, Branch Manager at Guaranteed Rate, has been in the mortgage industry for over 30 years. Jim started his career in Rhode Island, as a CRA Loan Officer and then relocated to Florida in 1997, where he has since established deep roots in the Tampa Bay Area.
Jim has lead, coached and mentored several top producing teams over his career, funding over $600 Million in one year.
Jim has helped thousands of families achieve the dream of home ownership. As your trusted lender, his goal is to provide a World class Experience, to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. He takes pride in thoroughly educating his customers throughout the mortgage transaction, so they fully understand their options to feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner or investor, you can trust him and his team to give you honest advice with all of your home financing needs and with renovation financing you can turn a house the you like into a home that you love.
Jim gives back to the community by serving on the board of Housing and Education Alliance, Past President and current member of NAHREP (National Association of Hispanic Real Estate Professionals).
Jim and his wife Angel have a total of 4 children and 2 grandchildren, They are empty nesters now that their youngest daughter is attending the University of Central Florida. They value their family and prioritize it in both their personal and professional lives. In Jim's free time, he enjoys being on the golf course and spending quality time with his family at the beach.
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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.