Kevin is a VP of Mortgage Lending with almost three decades of experience in banking and finance. He joins us from a large bank where he developed a residential mortgage portfolio across multiple asset classes with significant exposure to single-family, multi-family, Condo, and Coop residential mortgages.
At Guaranteed Rate, Kevin has access to a very robust platform of residential mortgage products. The more traditional products include options for jumbo loan amounts, Fannie Mae & Freddie Mac conforming & high balance loan amounts, FHA, VA, construction to perm, and renovation loans with a certified renovation specialist. He also has access to broker loans to lenders.
Kevin is based out of our Manhattan office located at 750 Lexington Avenue. His core business partners include real estate agents, attorneys, developers, CPAs, accountants, financial advisors, wealth managers, and of course, his past clients.
Prior to his career in mortgage lending, Kevin was in equity sales and trading at a premier investment bank and was also a Member of The New York Stock Exchange for several high-profile brokerages.
A life-long New Yorker with deep roots in the community, he attended SUNY Oneonta for his undergraduate studies and was awarded a Masters in Business Administration from Fordham University.
Kevin has been married to his wife, Kathleen, for 12 years. He spends his free time coaching his son Nolan's basketball team while also representing his fellow unit owners as a long-standing board member of the South Star Condominium Association.
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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.