Many mortgage professionals treat your home loan as if you were ordering a pizza. What size, what toppings, and when will you pick it up or want it to be delivered?
Guaranteed Rate adopts a best-of-the-best philosophy. With a team of professionals that are second-to-none, and state-of-the-art technology advances, your mortgage will be delivered with LOW, low fees and FAST efficient service, but we also realize it must be handled with wisdom and care. Patti Lamle exemplifies this philosophy. She understands that buying or refinancing your home is one of the greatest financial decisions you will ever make. It needs to be tailored with YOUR goals and dreams in mind. With over 20 -years’ experience in the ever-changing mortgage environment, Patti strives to be a blessing to her customers. She stays tuned in to the latest programs, interest rates and financial strategies to protect you AND your investment. A graduate of Oklahoma City University, Patti has founded companies across Oklahoma, and managed all aspects of mortgage lending. Whether you are a first-time homebuyer needing 100% financing, or a savvy investor seeking strategies on a second home, she knows how to take you by the hand and lead you every step of the way.
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| Loan type | Rate | APR | Discount points ($) | Mo. payment |
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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.