My name is Tiffany Sime and I am a Loan Officer for Guaranteed Rate. About me outside of mortgages, I grew up in Paterson, NJ. I am a proud daughter of Dominican parents who migrated to the United States in the 1970's. I have a thirst for knowledge and my God given gift is to educate others.
The journey that led me into the mortgage business was one defined by a strong entrepreneurial spirit and a relentless commitment to succeed. Thanks to this drive for success and my supportive parents, I bought my first house when I was 22 years old while in graduate school and it was the best thing I have ever done. Being a home owner, I truly understand the privilege of owning property. It has been my GOAL to get as many minorities as I can to become homeowners.
I have been in the business for years and have mastered the process. I have mastered making the home buying a simple and seamless process. No process is perfect but the big reward is getting to the closing table together. My Promises: 1) To Educate – To educate you on ALL your loan options. Answer any and all of your questions correctly. 2) To be Available – I provide my cell phone number, so my clients have full access to me. Call/text/email/DM, whatever works for you. 3) To be Honest – I make the mortgage process as seamless as possible. Though things can happen during the home buying process, I will always be 100% honest with you.
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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.