Mario Yeaman is a VP of Mortgage Lending at Guaranteed Rate. Guaranteed Rate is the 8th largest retail mortgage lender in the U.S., due to their low rates, innovative technology, and unmatched support. Licensed in 50 states, Guaranteed Rate is rated A with the BBB, has a 95% customer satisfaction rating and funded $12.4 billion in home loans in 2014 alone. With over 3 decades of mortgage lending experience, Mario's considered by his clients, referral partners and peers as "The Best in the Industry." He was the first loan officer in the U.S. to fund over 1 billion dollars in residential real estate loans. There are a lot of reasons why Mario has been so successful but he believes that honesty, integrity and a powerful support staff have been the top 3. In an industry filled with words like "I'll try," "Can't," "Hope to," "But" and "Should" it's easy to feel out of control and uncertain. Mario replaced those words years ago with "I will" and "I can". The words "but" and "Should" have disappeared completely. Mario was born and raised in the So Bay area of Southern California and has never left his roots. That's why he is the go-to guy for anything related to real estate finance in Southern California. He is extremely familiar with all of the appraisal subtleties associated with So Cal real estate too. Mario supports the California Association of Mortgage Professionals. He's been president of the South LA County chapter for several years off and on and has set on the Board of Directors at the State level. Mario has lobbied on behalf of the association and his peers in Sacramento for the betterment of his industry. His personal life is filled with family, friends and dogs. He loves cooking and has been the guest chef on several Time Warner cooking shows shown around the country. Golf is another passion and Mario sits on the board of directors for the Los Verdes Men's Club in Palos Verdes, CA.
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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.