1Rate 6.402% with an APR of 6.551% as of 9/13/2024 10:09 AM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount, and origination fee of $1,295 with 360 monthly payments in the amount of $1,502. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
Before you go
Andrew Sherlock
Direct Lending Loan Officer NMLS ID: 868520
I’m ready to use my years of hands-on experience with home lending to provide exceptional service and personalize a mortgage that’s custom-fit for you.
I have been a mortgage and loan professional for more than 7 years. I can provide the knowledge and experience to help you through the loan process, find the terms that are right for your budget, and make sure all the legalities are competently handled. I strive to ensure that your mortgage loan closing occurs smoothly and you can take possession of your new property.
Count on me for all types of home lending, whether you’re a first-time homebuyer, looking to purchase a second home, buy investment property, wishing to refinance, or pull cash out. I can even help you before you ever make an offer on a property.
The financial aspects of homebuying can be stressful and overwhelming, but they don’t have to be, especially with a trained and caring professional like myself in your corner. Contact me, and let’s get started making your homeownership dream come true.
Mortgage Specialization
- Adjustable-Rate Mortgages
- Condominium Financing
- Construction Loans
- FHA Government Loans
- First-Time Home Buyer Programs
- Fixed-Rate Mortgages
- Investment Property Loans
- Jumbo Loans
- Low-to-Moderate Income Lending Program
- Pre-Qualifications
- Professional Loans
- Renovation Loans
- Second Homes
- USDA Rural Housing
- VA Government Loans
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?
Today's Rate
| Mortgage | Rate | APR |
|---|---|---|
| 30-Year Fixed | 6.402% | 6.551% 1 |
| 15-Year Fixed | 5.353% | 5.592% 2 |
| FHA 30-Year Fixed | 4.893% | 5.757% 3 |
2Rate 5.353% with an APR of 5.592% as of 9/13/2024 10:09 AM EDT. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,942. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
3Rate 4.893% with an APR of 5.757% as of 9/13/2024 10:09 AM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 3.5% down payment, minimum borrower credit score of 740, estimated points of 1% of the loan amount, and origination fee of $1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $1,295. Payment amount does not include taxes and insurance, which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums, and other credit factors. Program terms available may vary based on the state and county in which the financed property is located. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, and lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
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Direct Lending Loan Officer NMLS ID: 868520
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So, how does getting a mortgage work?
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