I have always been motivated to get the job done right and I am focused on the small details that matter tremendously in the long run. These traits have helped provide my clients with the best possible service & mortgage experience and ensure that when the going gets tough I deliver results.
I grew up in Pasadena Texas and moved to the Midwest for university where I played football on a scholarship. After graduation I moved to St. Louis for a few years, then moved to Chicago where I lived for 25 years and honed my skills for excellent service while managing a joint venture between a big 3 bank and a boutique, upscale real estate firm. Working side-by-side in an office with Real Estate Agents developed my communication skills for keeping all parties updated while maintaining my client's privacy with the utmost discretion. I eventually moved back "home" to Texas in December 2018, again with a big 3 bank, but felt the entrepreneurial calling to a more progressive company that compliments my strong desire for excellent service & customer experience.
In my career I've strived to service every segment of the market possible, from ultra-luxury to move-up buyers, first-time buyers, government loans and down payment assistance programs and I am proud of my track record in each category. I'm available 7 days a week (real estate deals are often made on weekends and evenings) and am extremely diligent about solving the issues that arise over the course of a transaction. With my industry experience I provide clients with a rare level of insight into negotiations and complex problem resolution/mitigation strategies and ensure that their interests are always at the forefront of my team's efforts.
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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.