When you are considering taking on a significant financial commitment, like buying a home or refinancing a loan, you are likely approaching one of the most important decisions of your life. And when you are choosing a loan officer to assist you, you want to know that you'll be working with someone you can trust and who has values that are important to you during what can be a stressful, complicated process. I'd like you to learn a little bit about me as you consider your choices. When you work with me, you will have direct access to my experience—about two decade's worth. Over those years, I've learned there are many challenges that can arise during the loan process, primarily due to the number of steps and people involved. And I know from experience that working with someone who is armed with the necessary education, information, and tools to navigate the complex loan process is the surest way to successfully achieve your goals. Although there are many people necessarily involved in a typical mortgage transaction—including realtors, loan officers, real estate lawyers, title clerks, abstract searchers, home insurance agents, banks, lenders, underwriters, credit reporting agencies, mortgage processors, financial advisors, accountants, couriers, and closers—I work with my customers personally to help navigate through the crowd and tailor loans that are right for them. I am dedicated to treating all of my customers with honesty, integrity, and respect while providing intelligent, individualized solutions to help them meet their financial goals. I'd like to work with you.
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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.
