1Rate 6.895% with an APR of 7.048% as of 10/4/2024 12:43 PM 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 $1,580. 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
Kristina Cavric
Sr Loan Advisor NMLS ID: 163170
Milford, MI 48381
Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can personalize a home lending solution that’s tailor-fit to your needs.
As a mortgage loan officer, my goal is to have a satisfied homeowner at the end of their purchase or refinance transaction. I believe in constant and open communication, which is one reason that my clients are drawn back to me for their next purchase or refinance loan.
I started as a loan officer 17 years ago, and have always loved working with people to fulfill their dream of homeownership. I specialize in conventional, FHA, VA, MSHDA, rural development, jumbo, construction end loan, renovation, and first-time homebuyer programs. I like to present multiple options to my clients and give advice based on my many years of experience.
I realize how important it is to communicate well throughout the process and to answer any and all questions from beginning to end.
Outside of being a loan officer at Flagstar Bank, I like to spend time with family, friends, and my two dogs. I like boating, golfing, cooking, and gardening. I look forward to working with you and exceeding your expectations!
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
- 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 | 6.895% | 7.048% 1 |
| 15-Year Fixed | 5.880% | 6.122% 2 |
| FHA 30-Year Fixed | 5.440% | 6.314% 3 |
2Rate 5.880% with an APR of 6.122% as of 10/4/2024 12:43 PM 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 $2,010. 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 5.440% with an APR of 6.314% as of 10/4/2024 12:43 PM 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 $1,377. 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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Sr Loan Advisor NMLS ID: 163170
Milford, MI 48381
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