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Larry Collins
VP of Mortgage Lending

I moved to Long Island from Whitehouse Station, NJ when I was 16 years old. I lived in the West Hills section of Huntington and went to Half Hollow Hills Hight School. Upon graduating high school, I attended Bryant College (now University) and graduated with a bachelor's degree in business administration and a minor in finance. While at Bryant, I helped start a men's Lacrosse Club with a few others that now has matured into a very competitive College Lacrosse program. I currently reside in Kings Park, NY. My personal interest varies but more often than not you will find me outdoors enjoying what mother nature has given us as well as hiking with my golden retriever puppy.

Upon graduating Bryant College and a short spell selling skis in the ski industry, I headed to Wall Steet and landed a job as a financial reporter for a reputable online News Wire Service. I worked there for eight (8) years from 1987-1995, reporting on government and corporate bond daily activity and price action as well as commodities and precious metals. After my tenure as a financial reporter, I made the move to the mortgage industry and worked for a highly successful mortgage broker as a loan officer for ten (10) years from 1995-2005. At that time, I made the decision to go into business for myself, got my NYS Mortgage Broker license and started my own Mortgage Brokerage firm. I ran a successful Mortgage Broker firm for 15-years from 2005-2020 when I decided to close the company and concentrate on originating loans as a loan officer. After weighing various offers, I was hired as a Loan officer in November of 2020 with a highly reputable local Long Island Mortgage Banker and in March of 2022 when the firm closed, I stayed with the same team and joined a great company in Guaranteed Rate.

My reputation in the industry has always been exceptional and my concentration has continually been on integrity and offering the client unparalleled service and advise throughout the whole real estate transaction. My clients and referral partners appreciate my honest approach to the business, my thoroughness in my methods and trust that I will always give them qualified and sound advice. My slogan is "having a qualified and experienced mortgage professional on your team is always valuable but in today's market, it is priceless."

I look forward to working with you and am here to help you with your mortgage financing needs.

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Today's rates

Loan typeRateAPRDiscount 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, 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.