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Loan Consultants

Helping people realize their dream of home ownership is what motivates me. I bring 37 years of experience to residential lending with a focus on first-time homebuyers, military families, VA, FHA and USDA loans, FHA 203K and conventional renovation loans. Tammy Smith, NMLS-148228, and Melissa Morgan, NMLS- 181606 are an integral part of the team. We share the values and integrity of Caliber Home Loans: genuine dedication to responsible lending, empowering homeowners through education and making a positive difference in our community.

Owning a home is one of the most important achievements in our lives. Tammy, Melissa and I consider it an honor to stay current and apprised in the ever-changing mortgage market, provide sound advice and well-structured loans. We take the time to listen and learn about our clients' circumstances and goals to be sure they are obtaining the best mortgage to fulfill their dream of ownership.

Tammy, Melissa and I welcome the opportunity to help you finance your dream. You can reach me by phone at (253) 267-7807 or email jaimie.garrett@caliberhomeloans.com, Tammy Smith at 253-267-7812 or tammy.smith@caliberhomeloans.com or Melissa Morgan at Melissa.morgan@caliberhomeloans.com 253-267-7818.

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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!

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