After 19 yrs of working in the mortgage industry, one thing has always remained the same for me. Take care of the people who take care of you. This simply philosophy has guided my business and has provide a solid foundation on which it has grown. The advice my clients receive during a consultation is the same advice I would follow myself under the same circumstances. 1st time buyers have always been the primary source of building my business and are a chance for me to draw on my experience for the benefit of my clients. As we get older we share many of the same concerns. Whether it is college for our children, caring for an elderly family member or planning for retirement we are here to help. At Guaranteed Rate I now am able to provide reverse mortgages for those in need. We have other programs that will allow you to take advantage of a down real estate market to purchase your first investment property. Your equity in your home can be used to restructure your obligations for a more positive cash flow in retirement. Everyone’s situation is different. We will work together to find the right mortgage for your particular needs. If you or anyone you know is in need of any mortgage assistance rest assured I will provide the highest level of service possible. My business is entirely referral based and a referral to a friend or family member is the greatest compliment I can receive. Your trust and confidence is greatly appreciated. Thank you for keeping me in mind when someone you know is in need of mortgage financing assistance.
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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.