Hi! My name is Juliana Noel-Morgan and I am a licensed VP of Mortgage Lending at Guaranteed Rate. My family is originally from Brazil- however, I was born in Buffalo, NY and grew up in Texas where I attended The University of Texas at Austin (Hook 'Em!). The mortgage industry brought me to Arizona where I have resided the last two years. My background in the mortgage industry is extensive. However, my success stems from learning the importance of values at an early age from my hard-working parents who were trying to integrate their lives in this country. I believe it is this passion for hard work, due diligence and a fair deal that drive my interests in the mortgage industry. My job is to help you realize your dream of home-ownership- and exceed your expectations along the way! Whether you are thinking of a new home purchase or refinancing your current home, helping you hone in your financial goals by using your mortgage as a tool to accomplish the best financial situation for you and your family is ultimately my goal. We will explore all options available to you while weighting the pros and cons to ensure you make an informed decision. What I offer my clients is transparency, assurance, and the ability to close a loan successfully. Finding a mortgage can be stressful, but it doesn't always have to be. When you know and trust the team working for you, you can rest easy knowing you will be taken care of. I believe in honest communication and always being available to my clients. I look forward to earning your business and helping you with your mortgage goals!
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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.