I work in an industry that rewards me for helping people realize their dream of homeownership. Always striving to bring 100% to the work that I do, and my goal is to build a strong, long lasting relationship with my clients and colleagues. My passion for the mortgage industry can be measured by my 29 years in this profession. After so many years, at the end of the day, I still love my job as much as I did when I started it at age 24. In this ever-changing industry that keeps me learning, teaching, and coaching my team, there is always something new to get excited about. I understand that every family’s situation is unique, so I spend the time matching you with the mortgage that best fits your lifestyle and budget, and insure you get a clear picture of your options. Even before you ever make an offer on a property, let’s set up a time to sit down and discuss your needs, goals and expectations. We have streamlined the approval process, but understand there is much more to this financial commitment, many options to choose. My choice to move to Guaranteed Rate was their brilliant people, passionate colleagues, and amazing products, customer service and support. Coffee and I have a codependent relationship, so if ever you want to talk shop or need advice, send an email my way. I’m sure there will be a Starbucks nearby.
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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).
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.