The American Dream has been to own a home since the 1950’s and it is one of the most important financial decisions anyone can make. After working in the title insurance industry for several years, Sherry began her career in the mortgage industry in 1995. Her knowledge comes from working in various facets of the industry including mortgage brokers, banks, correspondent and direct lenders. Sherry truly enjoys helping her clients navigate the mortgage process and helping them choose a mortgage option that meets their financial goals. Life is not one size fits all, so your mortgage shouldn’t be either. Sherry offers a wide variety of Conventional, Jumbo, FHA, VA, USDA and renovation mortgage solutions including one tailored to meet your unique needs at a competitive rate, not just the latest trend in home financing. Have you found the almost or less than perfect home in the perfect location? Are you considering purchasing a bank, HUD or VA owned or “sold as is” property? Sherry began specializing in FHA & Conventional Renovation Financing in 2012. Renovation financing allows the cost of updating, cosmetic changes, additions and/or renovations to be included in your purchase or refinance mortgage loan. Your imagination is your only limitation! Born in Washington, DC, raised in Calvert County, Sherry currently lives in Annapolis with her husband of 20 years, Terry. In her spare time, she enjoys kayaking, reading, crocheting, hiking, biking, zip lining and horseback riding. Sherry enjoys serving on the worship team and with the women’s ministry at my church.
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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.