If I could encapsulate why I have a passion for real estate and finance, it is because "I love to help people!" Home ownership is one of the greatest paths to building wealth in America. A home can appreciate in value, generate a stream of income and/or serve as a leveraged asset. The home buying process is rife with pitfalls unless you have the right professionals managing your transaction. From our initial conversation to the funding and servicing of your loan, I manage the loan process from A-Z and serve as an available resource for any real estate and financial matters before, during and after your home purchase. By taking an active role in the loan process and leveraging my team in processing, underwriting and funding, I identify potential steps needed to take so that you are positioned for a home loan now or in the future. Professionally, my career spans 10 years in sales, marketing and business development and for a better part of a decade, I have served business owners, executives, professionals and first time homebuyers managing their personal finances. My referral network consists of Realtors, CPAs, Financial Advisors, Attorneys, Insurance Professionals and Business Managers, where I am considered a key partner and an extension of their team. I am a graduate of the Graziadio School of Management of Pepperdine University where I received an MBA in Finance and received my undergraduate degree from the Goizueta Business School of Emory University where I received a BBA in Marketing and Management. I serve as Vice Chairman for the Child Development Institute in Canoga Park, Board Advisor for the Los Angeles Pepperdine Waves Alumni Council and Past President of the Los Angeles Emory Alumni Association. My wife, Karen, and I live in the San Gabriel Valley where we enjoy travel, wine and entertaining our friends and family.
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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.