Mortgage Banker
NMLS #269243
Bell Bank Mortgage
4435 E. Chandler Boulevard #201 | Phoenix, AZ 85048
Mortgage Banker
NMLS #269243
Bell Bank Mortgage
4435 E. Chandler Boulevard #201 | Phoenix, AZ 85048
Mortgage Banker
NMLS #269243
Bell Bank Mortgage
4435 E. Chandler Boulevard #201 | Phoenix, AZ 85048
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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.
BackI have lived in Phoenix since 1986 and graduated from Arizona State University with a Bachelor of Science Degree in marketing. Over the past two decades that I have worked in the mortgage industry, I have personally financed over $500 million dollars in home loans. My success is due largely to my commitment to my customers and to helping them realize their goals in home ownership. I believe quality customer service requires no less than a 110% dedication to constant and effective communication, honesty and integrity, exceptional knowledge of the products, promptly returning calls, having competitive pricing, and genuinely caring about the customer. Over the years, I have developed an ability to listen to my client's needs and to utilize my experience to help structure a mortgage that makes the most sense for each individual client. In today's society, too many people will just tell you what you want to hear rather than the way it really is. You can count on me to tell you the truth and thus have the comfort that the information at closing will be the same as what we discussed in the beginning. I realize that I am not selling you a loan, but helping you incur quite possibly the largest debt in your life. Having an awareness of that fact, I understand that I have a moral obligation to manage that debt in the same way I would my own. My goal is to create such a strong relationship with each of my clients that they refer the people that they care about not to help my business, but because they care that much about their family and friends that they want to make sure they are taken care of the same way I took care of them. My wife Kristen and I have a daughter, Amanda, and a son, Andrew. As a family oriented man, I strive to look after the best interests of you and your family and help secure the best future possible.
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 mortgage consultant.
Don't Prompt Me Again Ok CancelMortgage Banker
NMLS #269243
Bell Bank Mortgage
4435 E. Chandler Boulevard #201 | Phoenix, AZ 85048
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Release: master-7320
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Release: master-7320