I am a mortgage loan originator giving families life-changing financial advice. I am a credit repair guru showing you how to fix the simple or the difficult. My specialty is simple, to give you the information you need in today's world to Purchase, Refinance & Build Your Home. At Caliber Home Loans, customer service is a way of life. We are dedicated to finding great rates and loan options for our customers while offering some of the fastest turn times in the industry. Our goal is to act as a trusted advisor, providing highly personalized service and helping you through every step of the loan process – from application to closing and beyond. It's all designed to exceed expectations, provide satisfaction and earn trust. My specialties include Fannie Mae, Freddie Mac, HARP, FHA, VA, HECM, USDA products as well as portfolio jumbo products and super jumbo products. I joined Caliber Home Loans in November of 2019, bringing with me over 25+ years of extensive real estate and mortgage experience. I was born in Quincy, Massachusetts and was raised in upstate New York. In 1994, he moved to the Fort Lauderdale area but now calls Vero Beach his home. My broad skill set in the industry includes underwriting, loan processing, brokering and real estate sales. I share my company's philosophy of choosing to work "real estate agent" and "borrower" hours, offering more accessibility and convenience to Caliber Home Loans clients. My client-centered approach is inspired by one of my favorite quotes: "You can reach all your goals in life if you just help enough other people achieve theirs" by Zig Zigler. When I am not at the office, you can most likely find me at the Vero Beach Dog Park with my dog, Lucy, also known as my office manager.
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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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