Nathan is known around the office and by his clients for his attention to detail and in-depth knowledge of the rules and regulations in the mortgage industry. His love of research and background in compliance make him an invaluable asset for clients hoping to qualify for a loan. Nathan understands how important it is to identify any issues that could hold up the loan process upfront, before going under contract. Each loan program has its own unique rules that can be updated at any time, and Nathan makes sure he is always up-to-date on any changes. This approach saves his clients time and money while ensuring a smooth loan process. Nathan understands the impact he has when helping people with the biggest purchase of their lives. He engages homebuyers personally, answering questions and providing objective advice so they can make confident, well informed decisions. Nathan has always been naturally competitive, whether it be academically or when playing sports. He brings the same mentality to work – constantly striving to make sure his clients are in the best position possible to win a contract on their dream home. Nathan lives in Northern Virginia, and when time allows, he enjoys playing music, tennis, and spending time with his dog Ellie. He also makes time to partner with local non-profit agencies to provide free homebuyer education classes in the Northern Virginia area.
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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.