Kenny Schaaf
VP of Mortgage Lending
My background includes over 18 years in the real estate industry both as a real estate agent and as a mortgage loan originator. My career prior to the real estate was in the public service field. I started as a firefighter/EMT, then emergency communications, and lastly a long career as a law enforcement officer. Coming from the public service background I have met a lot of great people and it taught me that not everyone is the same. I use this philosophy in my mortgage career, as no loan situation is the same and one client’s needs may not be the same as yours. I take the time to listen to the needs of my clients and help them make the best decision possible for their situation. I work with all types of buyers, from first time homebuyers to the family looking to purchase their dream home, and everyone in between. I take particular interest in helping our local and national heroes including all our United States Armed Forces members! Let me put my years of experience to work for you.
Guaranteed Rate, Inc. has no affiliation with the US Department of Veterans Affairs or any other government agency.
Helpful tools and resources
No-fee personal loans
First-time homebuyer’s guide
Mortgage calculators
Loan options
See my video
Recent reviews
What people are saying
"They worked extremely fast and kept me updated throughout the process"
William C. - Riverview FL | Aug 2022
"Kenny Schaaf is an outstanding representative of your company. He is efficient, honest, follows through and will be available at any time for questions."
Dawnelle M. - Clarksville TN | Aug 2022
"Kenny S. Was on point for every question and concern. Very professional."
Eric M. - Brooksville FL | Aug 2022
"Kenny and his team did a remarkable job answering my questions in a timely manner making sure since this is my first time they made sure they made me comfortable as much as possible"
Timothy C. - Lutz FL | Aug 2022
"Service was very good. Fast and courteous"
Maritza R. - Riverview FL | Jul 2022
A HELOC with a fixed rate you can count on.
Our Home Equity Line of Credit (HELOC) can help you fund home improvements & consolidate debt.
Areas served
- Riverview
- Fishhawk
- Balm
- Lithia
- Valrico
- Plant City
- Brandon
- Tampa
- Seminole Heights
- Kentucky
- Georgia
- Florida
- Tennessee
- Indiana
- Pleasure Ridge Park
- Shively
- Valley Station
Services offered
- VA Loans
- Renovation
- FHA
- Conventional
- Jumbo
- Investment
- Condo Loans
Loading Rates...
Today's rates
| Loan type | Rate | APR | Discount points ($) | Mo. payment |
|---|
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 and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. 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). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
One discount points equals one percent of your loan amount.
Some jumbo loan options may not be available to first\-time home buyers.
We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.
Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.
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.
VA
If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It 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.
Adjustable Rate Mortgage (ARMs)
Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.