Luis Rosado
Loan Officer

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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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 and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. 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). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

One discount points equals one percent of your loan amount.

Some jumbo loan options may not be available to first-time home buyers.

We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.

Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.

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.


If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It 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.

Adjustable Rate Mortgage (ARMs)

Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.