I am a born and raised Santa Cruz, CA resident, happily living with my wife Mary and our puppy Lakey on Santa Cruz's West side. My goal in life is to be happy and healthy and to help make people around me happy and healthy. To achieve this goal, I focus on my physical and mental health, I emphasize my relationships with family and friends, and I stay true to the core values shared with my family, friends, and community. I have been originating home loans in the mortgage industry since October 2011. My goal in business is to originate mortgage loans with a particular focus on exceeding customer service expectations, providing clear and concise communication, having comprehensive product and industry knowledge, and delivering a competitive rate and cost structure to meet the borrower’s financial needs. I love my job as a loan originator because many clients become friends and family, and many friends and family become clients. I am an emphatic believer in the value of home ownership; for strengthening our neighborhoods and our communities, and for building financial stability and long term wealth for families and individuals. The American Dream is built around home ownership, and it is a genuinely rewarding experience to help the dream come true for my clients. As an an ocean and outdoor enthusiast, I love spending time with my wife on the surf, on the trails, or in the hills. From redwood trees to coyotes, giant bull kelp to sea otters, nature energizes my soul. I am fascinated by all the creatures and critters that make our world wonderful in the ocean and on the land. The many selfless and giving people in our community also fuel my daily inspiration. Please join me in support of “Operation Surf" (amazingsurfadventures.org/events/operation-surf-santa-cruz/)" and “Save the Waves" (www.savethewaves.org), two wonderful non-profit community organizations looking out for our military heroes and the coastal environment, respectively. Thank you for visiting my bio and I look forward to the opportunity to meet and work with 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).
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.