I have been in the mortgage industry over 20 years. I have also been one of the top producing loan officers in Nassau and Suffolk Counties. Over the years I have worked with amazing clients, accountants, financial planners, lawyers, and realtors establishing relationships and lifelong friendships. The knowledge I have learned over the years is priceless and allows me to help even more people than I could ever have imagined. I am constantly rewarded with experiencing the excitement of my first-time homebuyers as well as my borrowers upgrading or downgrading for the next chapter in their lives. I am also delighted in helping people with a refinance for whatever reason, such as consolidating debt, taking cash out, lowering payment, shortening years or for renovations.
Starting a mortgage brokerage in Farmingdale, Long Island NY in 2001 and growing into a mortgage banker in 2010 has been my greatest professional accomplishment of my career so far. In 2022 I decided to close the mortgage bank I was Founder and President of and joined a great company in Guaranteed Rate. Joining this company has allowed me to provide better customer service, focus on my clients needs while having the best technology, marketing and operations in the business.
Helping people with their home financing needs has and forever will be my enjoyment and passion. Taking care of people and doing the right thing as always been my goal even if it meant them not needing my services. To be able to have a career while helping people is truly unbelievable and for that I am extremely grateful. Thank you everyone for all your referrals, repeat business and now even financing their children and grandchildren.
I look forward to assisting you and am here to help you with your home financing needs.
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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.