As a loan originator since the early 2000's, I have enjoyed the tremendous responsibility of helping hundreds realize the dream of home ownership. Though I very much appreciate and understand the technical complexities of what it takes to be an expert in home lending, my service standard can be distilled down to these fundamental values: Competency Accountability Responsiveness Efficiency Optimism Financial benefit Over my career I have made an unwavering commitment to put the client first, and this philosophy has helped me achieve top originator rankings on multiple occasions in the publications that track our industry. I live and work in Marin County, just north of San Francisco, where my wife, Michelle, and I are kept busy by our young son, RJ. Before the demands of parenthood and career prevailed, I was especially fortunate to experience an amateur athletic career that included a 2:49 personal best marathon, reaching the peaks of three of the world's Seven Summits and finishing 14 Ironman Triathlons, three of them at the Ironman World Championship in Kona, Hawaii.
See my video
Recent reviews
- San Rafael, San Francisco, Fairfax, Greenbrae, San Anselmo, Mill Valley, Sausalito, Larkspur, Corte Madera, Tiburon, Ross, Berkeley, Oakland, Walnut Creek, Concord, Orinda, Moraga, Lafayette, El Cerrito, Los Angeles, San Diego, San Francisco, Daly city, Burlingame, San Jose, Millbrae, Santa Clara, Richmond, Albany, Milpitas, Livermore, Dublin, San Ramon, Danville, Alamo, Napa, Sonoma, Petaluma, Sebastopol, Fresno, Stockton, Portland, Waikiki, Maui, Oahu, Kauai, bosie, Meridian, Nampa, Idaho falls, caldwell, San Leandro, Hayward, Fremont
- Home Purchase, Conventional, Conforming, Refinancing, Refinance, Jumbo Loans, VA Loans, Freddie Mac, Fannie Mae, Ginnie Mae, FHA, First Time Home buyer, Down Payment Assistant programs, HUD, Arms, Adjustable-Rate Mortgage, Fixed
Loading Rates...
Today's rates
| Loan type | Rate | APR | Discount 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, 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.