Traci Everman
VP of Mortgage Lending/Sales Manager

We are living through historical times. When I was growing up, my parents were renters for nearly 20 years Knowing that my parents paid someone else's mortgage for that long is a driving force in my business and my purpose. I didn't realize the value of owning vs renting until I was 24 years old, when I purchased my own first home and it was a major milestone in my life, as is the purchase of every First Time Home Buyer. The Move up Buyer should know every option, in order to avoid PMI... PMI can be avoided even with as little as 5% down. I can help! I have dug deep over the last 10 years, during these historical times in our nation's history, to find the PURPOSE in what I do in my every day business. It is 2 fold for purchases and refinances: 1) I put Keys in hands because I know this milestone changes lives for parents, children and the wealth a family can create. 2) I help families preserve their wealth thru refinancing and consolidating debt never, EVER, EVER give a bank any more of your money than necessary! My name is Traci L. Everman, and I AM a mortgage banker. I have helped more than 3000 families in my 15 year career as a Loan Officer. I can help you in every way with your debt management by structuring your mortgage, the largest debt you will every carry and give you the proper strategy that will serve your wealth preservation and creation both short term and long term! I love what I do because it changes lives. PERIOD. Call me today to get the best mortgage strategies the market has to offer.

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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

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 and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. 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). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

One discount points equals one percent of your loan amount.

Some jumbo loan options may not be available to first-time home buyers.

We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.

Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.

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.


If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It 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.

Adjustable Rate Mortgage (ARMs)

Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.