When I made the move into the mortgage industry in 2018, one of the biggest deciding factors was "How can I best serve my community?" My family has owned and operated a farm in Bluff City, Tn that has served our community for the better part of the last 100 years. I am the fourth generation to be born and raised on the Stickley Farm, and while times have changed drastically, we have continued serving our community through agritourism. My goal in the mortgage industry is to continue to serve my community by providing my clients every opportunity to achieve part of the American dream by guiding them through the home buying process. In my first year as a Loan Officer I was able to help over 30 families achieve the dream of owning a home. I have helped a diverse client base navigate the loan process by providing excellent customer service, and by using my knowledge of each loan program to find the best fit for each individual client. I was fortunate enough in my career to be provided an opportunity to join Guaranteed Rate recently, and to utilize the tools we provide to maximize the home buying experience. Guaranteed Rate has a highly competitive pricing structure and coupled with our state-of-the-art technology, we are second to none in our commitment to guiding you through the home buying or refinancing process. Guaranteed Rate offers a comprehensive list of loan programs including: Conventional, Jumbo, FHA, VA, USDA, New Construction, THDA, First Time Homebuyer and various 100% financing options.
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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.