At the age of 24, I bought my first home for $27,900 in Harrisburg, PA. It was not the fanciest, not the most elegant on the block nor was it in the most pristine neighborhood. But it was what I could afford at the time & it was a place that I owned & could call home. After now having moved into & out of many homes, I will always remember the purchase of my very first home. I remember receiving the keys from across the desk at the closing table & the exhilaration of going back to my home…to cut the grass in my yard. Because again, this home was now all mine.
I share that story with you because that is why I love what I do every day. I manage a team where we can create & execute on building that same dream with our clients. Whether you are looking to: • Purchase your very first home • Buy up & purchase a larger, more expensive home • See if you can refinance your existing mortgage to a lower rate & better term* • Buy a 2nd home at the beach you have been going to for years, or • Maybe you are looking to buy an investment home...whatever your home mortgage need is, we are here to make that experience a rewarding & memorable one. I have been in the mortgage industry for 20 years & pride myself on having a dynamic, knowledgeable & efficient team to help our clients with their financial mortgage needs. It is incredibly rewarding to me when we can help our clients realize their dreams & see their faces at the closing table once they receive their keys…just as I did many years ago.
- Savings, if any, vary based on consumer’s credit profile, interest rate availability, and other factors. Contact Guaranteed Rate, Inc. for current rates. Restrictions apply.
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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.