Paul Hirschauer is a customer-centric Senior Vice-President of Mortgage Lending at Guaranteed Rate, Inc. With 24+ years of professional experience, Paul has been recognized as a member of the top 1% of funded loan volume producers in the nation and credited with personally closing $2B+ in residential mortgages. He is the recipient of multiple sales awards including Chairman's Circle and President's Club. With proven expertise in jumbo, super-jumbo, and second home financing, Paul also possesses the ability to offer mortgages to clients of all backgrounds. He has successfully helped first time home buyers, government loan recipients, and clients requiring conforming loan amounts. Licensed in Connecticut and New York, Paul and Guaranteed Rate are capable of servicing clients across the United States. Committed to helping clients achieve the American Dream of homeownership, Paul, alongside his highly talented team, provides superior 5-star mortgage services in an effort to build lifetime relationships formulated on customer assistance, trust, and integrity. As a trusted partner and mortgage banker, Paul handles each client transaction and consults multiple lenders to offer the best rate and mortgage solutions. Furthermore, Guaranteed Rate has strong relationships with many major banks as well as small boutique investors. Because of this, consumers are offered extremely competitive rates, high-quality underwriting services provided by in-house professionals, and an internal closing department that takes full control of every step of the loan process. Finally, in an effort to ensure best-in-class services, only local appraisers are contracted for consultation in the appraisal process. Paul invites you to contact him for more information on how he can help you find the best mortgage to fit your needs. Or, discover if you are pre-approved right now!
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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.