Sarah Gomes
Senior Loan Officer

I have been a loan officer for 19 years and hold a BS in Business Administration from Bryant University. I am currently licensed to originate mortgages in MA, RI, CT and FL. Prior to joining Guaranteed Rate, I have worked for several reputable mortgage lenders and have thrived in the mortgage industry. Before entering the Financial Industry, I was recruited into a sales team for a print production company and then to an advertising and project management company. There, I maintained strict deadlines and worked within budgets and made customer service my top priority. I have the flexibility of creating my own schedule which allows me to work with all of my clients’ schedules. I was born and raised in New Bedford, MA and currently reside in Acushnet, MA. I enjoy volunteering, competitive sports and spending time with my husband of 20 years, our 2 children and 2 dogs.

As my client, you may choose to meet me virtually, at your home or my convenient branch location in Fairhaven, MA. I can be reached via email, text, or phone call day and night, including weekends. What separates me from other loan officers is that I am the main point of contact for all my clients, from origination to closing. I also try to attend each closing to assure a smooth process. I rely on referrals through clients and business associates to sustain my business. Through the years, I have worked with every loan in the industry and currently work with Conventional, VA/FHA, and Jumbo residential loans. I manage my business with effort and open communication.

Organizations that I am currently active in: • Vice Chairperson/Member: Acushnet School Committee, Acushnet, MA (2015 to Present) • Member/Past President: Acushnet PTO (Elementary and Middle School), Acushnet, MA (2012 to Present) • Member: South Coast Business Connection, Fairhaven, MA (2015 to Present) • Southcoast Chamber of Commerce, New Bedford, MA (2014 to Present)

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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

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 and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. 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). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

One discount points equals one percent of your loan amount.

Some jumbo loan options may not be available to first-time home buyers.

We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.

Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.

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.


If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It 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.

Adjustable Rate Mortgage (ARMs)

Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.