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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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.