With over 25 years in Real Estate, Shannon has gained experience and knowledge in every aspect of mortgage lending. All of the experience combined in making her a top producer come from starting as a closing agent for a title company, becoming a contracted real estate agent for Mobile County negotiating and acquiring Right-of-Way for road development in rural areas and next, accepting the challenge from her largest client to change from their closer to becoming an originator. The combination of these roles gave Shannon firsthand knowledge of real estate transactions literally from the end to the beginning.
Of the various roles she has held within the industry: closing agent, real estate agent, wholesale lending rep, assistant, processor, mortgage lender, Shannon is happiest working directly with borrowers finding the right loan solutions to fit their needs for current situations and working towards future goals.
“I love working with all borrowers, from first time homebuyers to seasoned investors. When they're a referral from someone who knows and trusts me, someone who's worked with me before, that's the greatest compliment I can receive."
Shannon grew up on the Alabama Gulf Coast with her mom's parents who had a farm in rural Mobile County and her dad's parents who had a house in Baldwin County close to the bay in Fairhope, in the 'Fruit & Nut' district, fittingly. From shelling peas to throwing a cast net, she was lucky enough to to get the best of both sides of the bay.
She married her second grade crush and high school graduate-friend in 2011. Together they have three children: Ryen, Christyn, and Zachary. They spend free time with the kids, family, dogs in the sand and on the water as much as possible.
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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).
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.