Born in Nashville, Tennessee and raised in Columbus, Ohio since the age of 5 and then eventually moving here to Safety Harbor, FL in 2006. I wanted a beautiful place to raise my three daughters and I definitely found it here in Safety Harbor. I love living here in Florida and everything it has to offer regarding the quality of life. I have been in the Mortgage industry as a Mortgage Loan Originator since September of 2001so I am no stranger to the ups and downs and all the changes this industry has been through. I have always had one goal in mind which is why I believe I have had success in this industry over the years. The customer and their needs are my top priority! Every customer is different, and when making one of the biggest purchases that they will make it is important to listen to their needs and help walk them through the process from start to finish, to ensure that all of their questions are answered and to help them feel comfortable with the process. Whether its a first time homebuyer, or if it is their third home, or if it is a vacation home or an investment property, every customers situation is different and it is extremely important that all of my customers get the attention and service with a personal touch they deserve. I am well educated on all our programs such as Conventional, FHA, USDA and my favorite, VA. Being as I am a Veteran myself I take special pride in helping as many active and retired military customers as I can. I love what I do and I love helping people and their families make their dream of being a home owner come true. 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.
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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.