Helping families realize the dream of home ownership is my passion. I have been in the lending industry for over 40 years, working all aspects from origination to underwriting to loan servicing, on all types of financing…. Conventional, FHA and VA, as well as utilizing down payment assistance programs, such as CHFA, CHAC and various local county programs and offerings. My understanding of the loan process and underwriting issues associated with the risk of lending have allowed me the ability to understand and work with the many different challenges each new or existing homeowner may have. Over the years, I have been able to assist many families obtain financing, many of them for the first time, and it never gets old. To me, it's always been more than a job. The satisfaction and pride I feel each time one of my Borrowers becomes a Homeowner is indescribable. Each one is an emotional investment for me as every Borrower is more than just a loan, they are friends, neighbors, and my community. Everyone's story is different, so no one loan will fit everyone's needs. My job is to find that perfect fit. Buying a home is the single most important investment we make. Although it can seem intimidating, I am dedicated to making the process a positive and rewarding experience for you. I welcome the opportunity to earn your business and your trust. We offer you an experience filled with integrity, great rates and service and the ability to leave your closing having had a pleasant and rewarding experience. It can even be fun! We appreciate the opportunity to do business!
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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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