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 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.