I have my mother to thank for my 30-plus years in the mortgage business. After I graduated from Widener University with a double major in Finance and Business Management in 1986, I landed a job in the commercial loan sector. I was quite good at it, but I was serving people across the entire country and felt a lack of personal connection with my customers. I eventually decided to get my Series 6, Series 7, and Life Insurance licenses and began working for a financial planner. My mother enters my career path story shortly thereafter. She called to tell me that a real estate broker was hosting a presentation at the local Sheraton. I said, "Mom, I don't do real estate or mortgages." Her response? "I know, but they have free food and drink!" Sold. That will get a young guy to the party. At that function, I met the Branch Manager who set up an interview and I was hired less than two weeks later. And so began my mortgage career. In 1989, I opened my own mortgage company. I was a broker with a warehouse line, and I employed 28 people who originated, closed and funded. After more than 20 years, I realized that I once again felt disconnected from my customers. I was spending my time as a manager instead of a loan originator. I wanted to return to my passion for helping people get into their new homes and knew I needed to step away from managing staff. This led me to leave the broker world and begin working for a mortgage banker. After several years, I found myself looking for sweeping change. I wanted nothing less than AMAZING for my customers and my own personal growth. This led me to make the move to Guaranteed Rate. I am now part of a team that makes the best use of today’s technology, has an incomparable support system, and is constantly striving to improve the mortgage experience.
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Today's rates
| Loan type | Rate | APR | Discount points ($) | Mo. payment |
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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.
