Mike Vlamis
Associate VP of Mortgage Lending

Mike Vlamis has a long and proven track record of helping clients achieve their goals, providing superior customer service and building lasting relationships. His diverse range of experience and skill makes him an invaluable asset to his clients buying a home. He prides himself on constantly communicating important details…every step of the way. Mike specializes in tailoring mortgages to the homebuyer’s goals, whatever those may be. He understands that buying a home may be the most significant financial decision of his clients’ lives and he is committed to making sure they are satisfied for years to come. He is with you from the loan approval to the closing, looking out for your needs at every turn, keeping you informed and making sure you understand all aspects of the financing process. Every step of the way, Mike’s enthusiasm for helping his clients is evident. He is always available for his clients, he is an excellent listener and is constantly communicating clearly when deciding on the best loan program to meet their needs. His lifetime commitment to customer service, building relationships, hard work and creative problem solving are indispensable when it comes to purchasing a home. He has previously held several Senior Level Executive positions. He ran a $450M energy company and was a founding executive of a telecom, internet and technology start up that went public. He went on to own several companies of his own: power sports dealership, used automobile dealership and a worldwide e-commerce site for parts and accessories. Mike was a hands-on executive and owner, completely involved in every aspect of business and always on call to do what needed to be done, which is the exact same way he approaches his work as a mortgage broker. Mike’s competitive spirit has stuck with him his whole life and gives him an edge in the fast-paced, competitive mortgage arena. He’s the kind of broker you’ll be happy to have fighting for you and your needs. He loves being a part of Guaranteed Rate’s top-notch team and he is committed to utilizing his wealth of knowledge and experience to provide unique solutions to anyone seeking competitive mortgage rates and services. When he’s not working tirelessly for his clients, he enjoys traveling with his wife Denise and spending time with his three children.

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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. VA 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.