I was born and raised in the Piney Woods of East Texas and am proud to call the area “Home”. I am a graduate of Longview High School (Class of 2005) and Baylor University (Class of 2009). Upon receiving my degree and dabbling in the Banking and Oil and Gas industry, I quickly moved back to East Texas where I found my unexpected passion in March of 2013: Residential Mortgage Lending.
My father (a high school football coach) and mother (a 7thgrade science teacher) instilled a set of “old-school” values in me that I believe are timeless. Doing the right thing was never an option, it was a requirement. If you weren’t early, you were late. If you were going to start anything, you better finish it. I was raised to treat the janitor with the same respect as the CEO. I can still hear my father saying, “Son, if you’re going to fly with the owls at night, you better be ready to soar with the eagles in the morning.”
Being in the business for nearly a decade, I’ve closed loans for people with a variety of financial situations and credit backgrounds, people with lots of money, and those taking advantage of down payment assistance programs, and from your first-time homebuyers to your most seasoned investor. Chances are I’ve seen it and I do everything that I can to be able to get it closed! It gives me a great sense of fulfillment to be able to serve the community, that has given me so much, with their mortgage needs. I was voted one of the Best of East Texas in 2018, 2020 and 2021, Texas Department of Housing and Community Affairs Top Loan Officer and a perineal “Locals Love Us” Award Winner.
Allow me to show you a different mortgage experience, where we fund “HOMES”… not “LOANS”.
See my video
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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.