Having been in the service industry for over 10 years, I have always been customer-oriented and results driven. I believe that exceeding the customer’s expectations goes a long way in creating an experience clients will appreciate. In addition, honesty and integrity are a key part of my business whether you are purchasing or refinancing a home. As your lender, my job will be to educate you in the process and ensure that I will always put your needs first. Purchasing a home can be unfamiliar and most likely will be the largest financial decision a person will make. Rest assured that when working with me, you will be well informed of the process and comfortable with the decisions you make regarding your home. Communication is a key component so I make myself available 7 days a week, from 7:00 AM to 11:00 PM, to ensure my clients always stay updated and advised. Consequently, having me on your team will allow you to be reassured of your purchasing decisions. I grew up in the southwest suburbs of Chicago, where I currently live with my wife and our three kids. We spend our time together exploring diverse and interesting sites throughout Chicago and the surrounding suburbs. I especially enjoy cooking but not as much as I like eating it after I'm done. I am an avid baseball fan during the summer season and am a devoted hockey fan in the winter. I come from a large family and am proud to say we are close. My brothers are my best friends.
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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.