Originally from the Bronx, Luis lives in the Tampa Bay area with his wife of 29 years and his two pit bull puppies and anxiety ridden kitten. He has two beautiful adult children and three gorgeous grandchildren, the youngest just turning one. This increase in family ignited a spark that required him to take a step back and reevaluate what was his particularly normal life. The lines between working to live and living to work had blurred and something had to give. The work/life balance had to be restored. And so, our hero’s journey begins…. After working in the corporate accounting world for over 20 years, Luis decided to take a leap of faith and switch career paths. It was a terrifying, yet exciting moment in his life. He studied hard to become a licensed mortgage loan originator, passed the exam, got his license, and began his journey with Guaranteed Rate. Luis’s experience as a corporate accountant provided him with the necessary skills to build relationships and provide executive level customer service. The analytical skills acquired allows him to conversate with each client and based on those conversations determine the right loan program for the first-time homebuyer or the seasoned homeowner. Being a trusted advisor of one of the biggest purchases in one’s life and making that process as clear, smooth, and predictable as possible is an honor. Luis takes every opportunity to make sure each person is comfortable with every step of the process by providing clear communication, timely emails, and being accessible for the client’s needs. At Guaranteed Rate, Luis embraced their core values and belief in the culture of positivity. They believe that Luis is amazing and can accomplish anything he wants in his career and life! With that level of encouragement, Luis had no choice but to join GR on the journey to restore his work/life balance.
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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.