I’m a first-generation American who grew up in Chicago speaking English and Italian. This has helped me succeed by empowering team members and creating solid relationships in various communities. Prior to joining the lending industry, I served in the US Army for 20 years, working my way up to the rank of First Sergeant while serving in Italy and across the United States. I moved to Arizona in 2005 after my father relocated here, and I realized I was ready to put down roots. My career goal has always been to maintain open, transparent communications throughout the entire relationship. After experiencing two negative mortgage transactions, I vowed that no one should have to endure what I did. I’m a lifelong learner and still passionate about educating homebuyers about home financing. Even if they’ve recently purchased a house, there is still much information to share to keep them in the loop. I’m an avid networker and member of several local and national groups, including BNI Grand Networkers, Toastmasters, Peoria Chamber of Commerce, Veterans Advocacy, Friends of Freedom, the Veterans Association of Real Estate Professionals (VAREP), the National Associate of Mortgage Bankers, West Maricopa County Board of Realtors, National Association of Realtors, and the Peoria and Glendale Chambers of Commerce. These memberships enable me to connect people – something I love to do. No matter what my friends, colleagues, or customers need, I’m ready to find them a solution and be their resource. A passionate speaker on networking, leadership, and veterans' advocacy, I’ve spoken at organizations across the West Valley and within the real estate community at large. My two adult sons and five grandchildren reside in the Chicagoland area. I live in the West Valley with my wife Sandy, enjoying golf, bowling, reading, cooking, and fantasy football when not assisting borrowers. After a long day, you can find me kicking back in front of a good sports game on the television.

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I’m a first-generation American who grew up in Chicago speaking English and Italian. This has helped me succeed by empowering team members and creating solid relationships in various communities. Prior to joining the lending industry, I served in the US Army for 20 years, working my way up to the rank of First Sergeant while serving in Italy and across the United States. I moved to Arizona in 2005 after my father relocated here, and I realized I was ready to put down roots. My career goal has always been to maintain open, transparent communications throughout the entire relationship. After experiencing two negative mortgage transactions, I vowed that no one should have to endure what I did. I’m a lifelong learner and still passionate about educating homebuyers about home financing. Even if they’ve recently purchased a house, there is still much information to share to keep them in the loop. I’m an avid networker and member of several local and national groups, including BNI Grand Networkers, Toastmasters, Peoria Chamber of Commerce, Veterans Advocacy, Friends of Freedom, the Veterans Association of Real Estate Professionals (VAREP), the National Associate of Mortgage Bankers, West Maricopa County Board of Realtors, National Association of Realtors, and the Peoria and Glendale Chambers of Commerce. These memberships enable me to connect people – something I love to do. No matter what my friends, colleagues, or customers need, I’m ready to find them a solution and be their resource. A passionate speaker on networking, leadership, and veterans' advocacy, I’ve spoken at organizations across the West Valley and within the real estate community at large. My two adult sons and five grandchildren reside in the Chicagoland area. I live in the West Valley with my wife Sandy, enjoying golf, bowling, reading, cooking, and fantasy football when not assisting borrowers. After a long day, you can find me kicking back in front of a good sports game on the television.

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Private Mortgage Insurance typically costs between 0.5% to 1% of the entire loan amount over 80% LTV on an annual basis.

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Your Monthly Payment

$1,512.46

Your Payment

Monthly Principal & Interests : $1145.80

Monthly Real Estate Taxes : $316.67

Monthly Insurance : $66.67

Monthly PMI : $0.00

Total Monthly Payments : $1529.13

Additional Information

Loan To Value Ratio : 80.00%

Months With PMI : 0 months

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