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  • Find Your Loan Consultant

  •  APPLY NOW

Loan Consultants

After launching my lending career at some of the nation’s largest banks, I moved up to Caliber Home Loans so I can offer my borrowers better service and a wider array of loan options. Caliber’s the best of the lending institutions I’ve worked for, as it’s a company the technology and loan products to support borrowers, together with in-house processors and assistants. Everyone who works in my office is someone we've worked with before and I'm very proud to say that I work with the best of the best. We all work collaboratively because it's not just one of us whose reputation matters, it's all of us as a whole. In addition, my connections with local real estate professionals make working with me and my Caliber team a smoother, easier process for you throughout your home buying experience. When you first contact me to discuss your home loan or refinancing needs, I like to go over the details of several loan products, and why it may be the best fit for you. I’ll also do the math for you if you already have an offer on a home, and explain how different factors and costs contribute to your bottom line. Before entering the home loan industry, I graduated from Ferris State University with a degree in Accounting. A native of Grand Traverse County, I’ve lived here in Kingsley for 15 years. When not assisting customers with their home loans, I enjoy fostering rescue dogs and attending TAAR and BNI meetings.
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$
$
%
$
years
%
$
/ year
%
$
/ year

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

$
/ 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

Educational Block

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What to expect

when refinancing.

Refinancing your existing mortgage may be easier than you think.

Learn More >>
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What is the process

for buying a home?

Caliber Home Loans, Inc. ("Caliber") has streamlined the process for you!

Learn More >>
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Smaller down-payment

program options.

Do you have questions about lower down-payment options?

Learn More >>

Loan Consultants

Let’s start this
journey together!

Apply Now
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*Closing cost offer available to customers who apply for a new purchase loan. Only available for single family primary residences and existing Caliber customers. Credit provided at closing. The offer is nontransferable and can only be used by the intended recipient. Advertised discount can only be applied toward payment of closing costs up to a total amount of $1,000 subject to product underwriting guidelines. Any portion of the discount amount not used toward closing costs will be waived.
  
  **A pre-approval does not signify that all underwriting requirements have been met. Actual terms, including interest rate, are subject to change without prior notice and may vary based on eligibility criteria. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Please contact Caliber for additional details.
  
  ***The lock will be honored up to 75 days total. Your rate is protected for up to 30 days to shop for a home. Once you identify a property, your rate will be locked for an additional 45 days. All rate lock extensions are subject to Caliber’s standard rate lock extension fees All rate lock extensions are subject to Caliber’s standard rate lock extension fees. Not available for all loan products. Please contact Caliber for additional details.
  
  ****Caliber agrees to pay the borrower the amount of the earnest money deposit (up to $5,000) following the home loan closing, if the loan does not close on or before the contract closing date due to a delay caused by Caliber. Void if there are any material changes to income or assets. Offer requires 30 business days from Caliber’s receipt of purchase contract to closing date. Other requirements include: Minimum 700 credit score, owner occupied purchase transaction. LTV and property type restrictions may apply. Available only through the Caliber Retail Channel. Payment may be subject to reporting for tax purposes. Please contact Caliber for additional details.

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