Dana Zito Bator
Since 2004, I've guided hundreds of buyers and homeowners through the loan process. I strive to provide the very best in customer service by being equally accessible and knowledgeable in order to create clients for life. My focus and commitment is to the best interest of each client and their individual financial goals. Buying a home is a complex process, but it doesn't have to feel daunting and stressful. I educate my clients from our very first conversation with the hope of removing the uncertainty and anxiety from the process. Every client has a unique set of parameters and deserves a customized mortgage. By devising a plan that meets these needs and offering a mortgage product they truly qualify for, the results are a concise loan approval and a prompt closing. Not every loan is easy or straight-forward and some require pure creativity and perseverance to deliver. My clients can count on me to meet any obstacles head on. I've spent nearly all of my entire 15+ year mortgage career at Guaranteed Rate. Our cutting-edge technology platform and an extensive product matrix means we make the mortgage process both efficient and competitive while offering something for everyone. I live on the North Shore in Wilmette with my husband Ward, sons Wyatt & Bodhi, and 2 Australian Shepherds, Mags & Riot.
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|Loan type||Rate||APR||Discount 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 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).
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.