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Mike Leary
Senior Loan Officer

As a father I know know how incredibly important it has been to have the stability of a good home for my family these last few years. That's why my team and I take great pride in helping your new or growing family finance the right home for you. We work every day to make sure the process is as easy as possible, letting your memories be the excitement of finding "the one" and not the pain of a long and complicated loan process. And we surround ourselves with the right outside experts and partners to help address your needs in a truly helpful way both now and in the future.

When I'm not helping clients, I'm enjoying time with my wife Rachel, our two kids Maddie and Theo, their grandparents, and our three dogs Sandy, Delilah, and Winnie. Every once in a while our cat Keira shows up too! We love being together outside in the White Mountains, at the beach out on the Cape, or just relaxing at home. And as a big sports fan and sometimes participant, I still try to find time for playing ice hockey, golf, and softball, or watching college basketball and football.

Finally, I do have a few causes near to my heart. I am an active donor and volunteer with Habitat for Humanity, the Multiple Myeloma Research Foundation, the American Heart Association, and others. If you have any questions about these organizations or want to know how you can get involved, I'd love to tell you more!

So when you're evaluating options to help achieve your family's dreams, know that when you pick my team you don't just get the transaction. You get a community-involved group that cares and is ready with resources, impartial advice, and opportunities to get involved if you want them. So what are you waiting for? Let us know how we can help you, today!

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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, 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.