This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your real estate consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Not all borrowers will qualify. Use of the data is at the user's sole risk. This chart is for illustrative purposes only. This is not a commitment to lend. Not all borrowers will qualify. These are the current national mortgage rates on popular loan products. Rates shown are not available in all states or to all borrowers.
Interest rates and APRs are based on current market rates, are for informational purposes only, are subject
to change without notice and may be subject to pricing add-ons related to property type, loan amount,
loan-to-value, credit score and other variables - call for details. This is not a credit decision or a
commitment to lend. Mortgage insurance may be required. If mortgage insurance is required, the mortgage
insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be
available. APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking
into account such items as interest, most closing costs, discount points (also referred to as "points"), and
loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your
monthly payment is not based on APR, but instead on the interest rate on your Note. Adjustable Rate Mortgage
(ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly
payments are subject to increase after the fixed period.
Rates and APRs also assume owner occupied Single family residences with an 80 loan-to-value (20% Down
payment). Discount point have varied and can be found on www.freddiemac.com. These mortgage averages are
for loans in 1st Lien Position. The historical Freddie Mac PMMS® data is provided "as is," with no
warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied
warranties of merchantability or fitness for a particular purpose. Use of the data is at the user's sole
risk. In no event will the advertiser on this app or Freddie Mac be liable for any damages arising out of or
related to the data, including, but not limited to direct, indirect, incidental, special, consequential, or
punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is
aware of the possibility of such damages.
I started in Real Estate in 1991 while attending college classes at night and have been in the business since. I have been involved in almost every aspect of the real estate business including residential sales, investments, development, relocation services, and new construction. After participating in thousands of transactions over my career, I can honestly say experience has been my best teacher.
I have helped my clients through job losses, promotions, transfers, divorces, new babies, empty nest syndrome, downsizing and buying larger homes, the settlement of parent’s estates as well as first time buyers. Being involved in so many transactions has provided me the competence and knowledge to navigate my buyers and sellers smoothly through any potential real estate situation.
Buying and selling a home can be overwhelming, frustrating, and even scary at times. My team and I are dedicated to taking excellent care of all your needs. Our goal is to create customers for life and we know we can’t accomplish this without taking excellent care of you.
I am blessed with a beautiful daughter that we adopted when she was 5 months old, and an amazing son. I enjoy running, cycling, and any type of exercise. I have practiced two different styles of martial arts and completed The Blue Ridge Marathon in 2013. I love to read and write.
I own a sales & life coaching company, You’re The Difference, Inc. where I coach other Realtors and sales people. I co-authored a real estate book objection handling book, Now What Do I Say, which includes over 400 answers to more than 70 of the most common asked questions in the real estate industry. I also had the pleasure of co-creating a self help audio program, You’re The One, sharing experiences, trials, and tribulations of building a successful career while having a truly amazing life.
I am a Christian and attend Fellowship Community Church in Salem, VA. I believe everything is possible through God and I give all the glory and thanks to him for everything that I have in my life and have been through to get here. “God Is Good All The Time, All The Time God Is Good”.
For Real Estate service with a difference, call us today!
You are going to a 3rd party website and there is NO WARRANTY, expressed or implied, for the accuracy of this information or its applicability to your financial situation. Please consult your real estate consultant.