With over 20 years in the mortgage industry, Samantha brings an amazing combination of experience and technology to every transaction. She received her bachelor’s degree in Business Administration from the University of Mary Hardin Baylor and went on to pass the CPA exam. A proud Mom of three children and several furbabies, Samantha and her husband are Disney addicts and foodies! Be sure and ask for great recommendations in the area! She and her husband appreciate a good craft cocktail and 80s music. Best enjoyed together! After a few years in the accounting field, she realized her ability to help people achieve their dream of homeownership as a lender was a perfect match for her people skills and her number skills. She truly does help her clients to plan the mortgage that will work best for their needs by first determining what they hope to accomplish from their purchase and then providing them with a variety of options that will help them meet their goals with a strategic focus on the long term. Her advice is only enhanced by her education and experience in personal finance. Samantha is also very committed to personal relationships. Despite using the latest technology in every aspect of her business, she fully believes that nothing can replace conversation with a live person. She stays in touch with clients beyond closing in order to keep them informed of current market trends and help them determine the right time to refinance, purchase an investment property, or even purchase a new home. Having personally helped thousands of families with home mortgages, Samantha loves being a part of people’s journey to achieve home ownership.
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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.