As a licensed mortgage professional for more than 20 years, I am still originating every loan with the same energy and consideration like it is my first. My senior year in college, I was lucky enough to intern with CPA firms, who did audit for many companies in the mortgage world. After graduating with an Accounting and Sociology degree, it was a no brainer, mortgages is where I needed to be. In 1995, I started working in the mortgage world. I learned the industry backwards; helping head a big portion of the accounting department, working in many of the company's developmental projects and finally moving to originations in 1999.
What I loved about origination, and still love about originating, is the connection and interaction with my clients. Though I am here to consult, a big part of my job is listening and asking the right questions. During these conversations with my clients, I learn a lot about their financial goals and what they see for their future. The right mortgage product plays a big role in this type of planning. The past 20 years has brought many ups and downs in our industry but my goal still remains the same, to provide the best service to my clients throughout the process of the loan and through random updates to educate them on the current market and options.
Securing a home loan may seem overwhelming so I work hard to remind my clients that we are in it together. I am readily available for questions and constantly updating my clients with their loan status. We are both looking for the smoothest and most seamless process and the best way to achieve this is to work as a team.
I grew up in the south suburbs of Chicago where sports were a big part of my childhood which is why I love the team-like mentality. I was blessed with twins, a boy and a girl, in 2004. Like most, I try my best to juggle work and family but most importantly, while enjoying life along the way. I am happy to say that even after 20 years, I enjoy the relationships that I have built throughout this industry, whether with past and present clients and all the co-workers along the way. I am thankful this is the route my life has taken.
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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.