I have been a Residential Loan Consultant for the last 13 years and consider my biggest accomplishment to be helping hundreds of people realize their dream of buying a home. It's a great and satisfying feeling to help make this dream become a reality, especially for first-time buyers. I’ve also closed many refinance loans that resulted in borrowers being in a better financial position. The right refinance often enabled them to buy a vacation home or an investment property. To be successful in a competitive business, having a great company and team (corporate & local) behind you is a must – one with a growing inventory of loan options while keeping up with today’s technology. Caliber Home Loans is just that! In fact, our advanced digital systems make the loan application process easier than ever, reducing the paperwork required for processing. This can save you a lot of time and aggravation! Whether you prefer your loan to be handled in a high-tech or traditional manner, you can trust me to adapt to your preferences. Most of my customers' experiences fall somewhere between these two. Finally, being accessible and flexible with customers is vital with the busy schedules and demands on their time. I'm glad to speak and/or meet customers in the evenings, after their work day, or on the weekends, if that works best for them. After living in Southern California for many years, I headed north and relocated to Chico in 2005 and have never looked back. I love the area, the community, and the incredible people I have met; those being clients, business partners and new friends. I've been married to my amazing wife for thirty-eight years and have three grown and married children. They have blessed me with two beautiful granddaughters.

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I have been a Residential Loan Consultant for the last 13 years and consider my biggest accomplishment to be helping hundreds of people realize their dream of buying a home. It's a great and satisfying feeling to help make this dream become a reality, especially for first-time buyers. I’ve also closed many refinance loans that resulted in borrowers being in a better financial position. The right refinance often enabled them to buy a vacation home or an investment property. To be successful in a competitive business, having a great company and team (corporate & local) behind you is a must – one with a growing inventory of loan options while keeping up with today’s technology. Caliber Home Loans is just that! In fact, our advanced digital systems make the loan application process easier than ever, reducing the paperwork required for processing. This can save you a lot of time and aggravation! Whether you prefer your loan to be handled in a high-tech or traditional manner, you can trust me to adapt to your preferences. Most of my customers' experiences fall somewhere between these two. Finally, being accessible and flexible with customers is vital with the busy schedules and demands on their time. I'm glad to speak and/or meet customers in the evenings, after their work day, or on the weekends, if that works best for them. After living in Southern California for many years, I headed north and relocated to Chico in 2005 and have never looked back. I love the area, the community, and the incredible people I have met; those being clients, business partners and new friends. I've been married to my amazing wife for thirty-eight years and have three grown and married children. They have blessed me with two beautiful granddaughters.

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$
years
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/ year
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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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/ year

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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