Shelly follows the motto “every accomplishment starts with the decision to try.” Achieving homeownership is a mysterious and daunting process to many people. She understands this and is personally aware of the profound impact that home ownership has in our lives. That is her motivation with every client - to help others achieve the same. Shelly has a dedication to offering honest, transparent and thoughtful service. She is an advocate of First Time Homebuyer education and knows that behind every transaction and set of numbers is a person or family trying to improve their life. Shelly is well known for her ability to communicate and partner with all parties in a real estate transaction and to champion the home buyer through the entire process. She grew up in Anderson, Indiana as the middle of three daughters and graduated from Indiana University. It was during her college years when she learned the value of creative problem solving. Every person she works with has very unique circumstances and she understands that this is not a "one size fits all" mortgage world. When she is not "creative problem solving" for her clients, you can find her cheering for the Chicago Cubs, watching college football, running along the lakefront and hosting BBQ's for her family and friends in her backyard. She is also frequently seen taking a stroll on the north side of Chicago with her 2 English mastiffs “Big Ike” and “Boris Von Drool,” 175 lbs. and 225 lbs. respectively(!). If you see them on the street be sure to stop and say hi.
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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.