Your mortgage process should be all about you and your experience. That's why we aim for your 100% satisfaction. How do we do it? First, our goal is to structure your loan with the lowest costs possible. Second, the loan application process is easy-peasy. You'll see when you click on the Apply Now button. Third, you have access to me and my team throughout the entire mortgage transaction, so you are comfortable with every step. It's that simple. Looking forward to working with you.....Oh, and if you want to know more about me personally, please click the Read More link.
With 25+ years of experience in the mortgage and banking industry, and over 10,000 loan transactions under her belt, Kari Phillips is a Loan Officer and Branch Manager like no other at one of the country’s top mortgage lenders - Guaranteed Rate. Kari leads a team which provides both borrowers and real estate agents with the best service and great loan products available, while differentiating itself in the lending space by offering fair and transparent rates and with a goal of driving to a full underwritten approval before they are in contract, rather than the simple “pre-qualification” – all of this allowing the strongest possible position for clients to purchase or refinance.
Kari is the proud mother of two girls, and wife of 18 years to her college sweetheart, whom she met while pursuing her Bachelor of Arts Degree in Marketing from Hillsdale College while on a basketball scholarship. She also went on to receive her Masters in Business Administration (MBA) from the University of Toledo. Life brought the Phillips family to Las Vegas over 20 years ago where her husband is a practicing probate attorney. In her free time Kari can be found on the greens mastering her golf swing, painting, or supporting her kids at their favorite sports and activities.
Come see why Kari and her team at Guaranteed Rate come so highly recommended by Real Estate Agents and borrowers alike.
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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.