With over 25 years of experience in real estate finance, Liz enjoys assisting first-time homebuyers with accomplishing their goal of home ownership as well as analyzing the complex financials of the experienced, self-employed borrower, finding creative solutions for every client’s unique needs.
Previously as co-founder of the Santa Barbara Leading Lenders, established in 2005, Liz organized a collaboration of experienced loan officers to support the professionalism and integrity of the mortgage industry when it was threatened by the sub-prime lending boom, prior to the collapse in 2008. In her spare time, she remains committed to the organization as it continues to raise the bar for the industry with ongoing dialogue, education and collaboration.
Liz grew up in Santa Barbara and completed a Bachelor’ Degree from the University of California, Santa Barbara. She is also a certified Life Coach. In addition to her involvement with the Santa Barbara Leading Lenders, Liz is an affiliate member of the Santa Barbara Association of Realtors, where she currently serves on the Government Relations Committee, Statistical Review Committee and the Education Committee.
Liz is passionate about the arts and is a sustaining member of the Santa Barbara Museum of Art Women’s Board, where she has previously served as Vice President of Development as well as Publicity Chair. Her hobbies include interior and landscape design, painting, dance, travel and music. She also loves to walk and bike in her free time. Liz has two adult children, Max and Kate, and lives near the Mission in downtown Santa Barbara with her Shetland Sheep Dog, Jax.
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| 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.