I've been a licensed loan originator since 2005 and been featured as a mortgage industry expert by Bankrate.com, Yahoo! Finance, MSN Real Estate, Investopedia, NerdWallet, and Chicago Agent. I'm passionate about providing each client and referral partner a smooth, understandable and positive mortgage experience that inspires confidence and peace of mind. Personally I've bought a Chicago condo and suburban home, played landlord for a year and then sold that condo. I use these experiences to put myself in your shoes and deliver excellent customer service. I want to earn trust and confidence and make sure you are taken care of while seamlessly closing your loan. It's your home and future. It's my profession and my passion to deliver results-oriented expertise. I offer the full mortgage product line with as low as 3% down options, jumbo financing, FHA/VA, construction loans and mortgage insurance reduction strategies*. I have a 3-Step Client Process whereby I identify your goals and wants, collect your application via easy digital mortgage, and review together a total cost analysis of loan options for you to consider and use to make informed decisions about the right home and loan for you! Born and raised in the north suburb of Grayslake, I have a degree in communications and business from Bradley University. After college I spent 14 years living in various Chicago north side neighborhoods before moving to the west suburb of Glen Ellyn in 2013 with my husband and three children Rosalindh, Bob and Tara. I believe in giving back to my community and I'm involved with PTA, Cub Scouts, Cycle for Survival and Hephzibah Children's Association. I love my Peloton and my weekly sand volleyball league, playing euchre regularly with my girlfriends and experimenting with new recipes for my family, although you would much prefer my husband's chocolate chip cookies to mine because I'm a disaster as a baker! If I'm not at work or home you can find me at our New Buffalo, MI lake house or when I'm really lucky traveling abroad. Family trips to Paris & London and an African safari are next on the list. *Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Proper Rate for current rates and for more information.
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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 Proper Rate 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.
Proper Rate 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.