I got into the mortgage business in 2012 while running a retail business that I opened on my own in 2010. One of my customers that I got to know very well suggested that I get licensed, as he thought being a loan officer was the perfect career for me. At the time, I was single with an 8 month old baby, working 60 hours a week at my store, and getting licensed in mortgage originating is no easy task. Nonetheless, I buckled down and took a night course, studied for 2 months, and got licensed to do mortgages! My business took off faster than I could have dreamed of, because doing mortgages for people became a natural feeling, like a form of counseling but finance counseling for people who just wanted knowledge and patience on a subject that was unknown before my help. I sold my store 6 months after getting into the business and became a mortgage loan originator full time. My education is from University of Washington, Seattle, with a Bachelors in Business Administration. I majored in Management and Finance. This helps me every day in my career because mortgages fall into both areas of my expertise. I manage files for people who are looking to either make the biggest purchase of their lives, or refinance their loans and save money. I am originally from upstate New York where I was born and raised in the same home, before deciding to go to college across the country (Seattle, WA). My mom is from Chicago (& Wisconsin), so I decided I'd plant my roots where she grew up; it's such a great city. I have a 4 year old son named Gavin, and live in Naperville currently, moving to Elmhurst at the end of the 2016 summer. My hobbies include all sports, especially running, football,and basketball and I sing in a band every couple of months. My boyfriend, John, is on the executive team for Guaranteed Rate and I couldn't admire the company more since I've gotten here. It's such a great place for employees, and that is so clearly reflected into the service our customers receive. I will never work for another mortgage company! There's only one way to do mortgages for people, and Guaranteed Rate has got it figured out.
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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.