I have been in the mortgage business for over 13 years. I am very fortunate to have found a career I am passionate about. Helping my clients accomplish their financial goals and helping make their home buying dreams come true is truly the most rewarding part of my career. A mortgage loan is one of the most significant financial endeavors most of us will undertake. Whether it's your first or a subsequent mortgage, helping you navigate smoothly through the process and finding the best loan program for you is my first priority. My goal is to always paint a clear picture of what to expect, and communicate clearly and promptly when problem-solving is required. Even if you don't qualify now, I will help you get on track to make it a reality in the future. I started my career in San Jose, Ca. and now live in the Sacramento area with my supportive and loving husband. We have two beautiful daughters, and our dog Patches. When I'm not working, I enjoy spending quality time with my family. I have helped clients all over California accomplish their purchase and refinance goals. Guaranteed Rate offers a wide array of loan programs such as: conventional, jumbo, FHA, VA, or USDA loan, just to name a few. Let me help you choose the right one for you. I'll be with you every step of the way from start to finish! I am fluent in English and Lao. I can be reached any time on my cell phone at 408.887.5030 or via email at samantha.back@rate.com. Test
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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.