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. Melissa Morgan, NMLS- 181606 is 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. 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.
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.
Private Mortgage Insurance typically costs between 0.5% to 1% of the entire loan amount over 80% LTV on an annual basis.
Monthly Principal & Interests : $1145.80
Monthly Real Estate Taxes : $316.67
Monthly Insurance : $66.67
Monthly PMI : $0.00
Total Monthly Payments : $1529.13
Loan To Value Ratio : 80.00%
Months With PMI : 0 months
Refinancing your existing mortgage may be easier than you think.
Learn More >>
Caliber Home Loans, Inc. ("Caliber") has streamlined the process for you!
Learn More >>
Do you have questions about lower down-payment options?
Learn More >>
Refinancing your existing mortgage may be easier than you think.
Learn More >>
Caliber Home Loans, Inc. ("Caliber") has streamlined the process for you!
Learn More >>
Do you have questions about lower down-payment options?
Learn More >>
Let’s start this
journey together!
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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. |
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| ***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. |
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| ****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. |
