1Rate 7.098% with an APR of 7.253% as of 12/20/2024 10:04 AM EST. 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 $1,613. 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.
FDIC-Insured—Backed by the full faith and credit of the U.S. Government
Before you go
Kira Guzman
Sr. Loan Officer NMLS ID: 71081
Garden City, NY 11530
I am committed to providing you with the highest quality home lending experience.
With over two decades of experience in the mortgage industry, I have helped individuals across the United States achieve their dream of homeownership by providing the best financing solutions tailored to their specific needs. Hablo español y estoy aquí para guiarte en cada paso del proceso hipotecario.
I specialize in assisting first-time homebuyers and fully understand the unique challenges and questions that may arise. I offer clear communication and step-by-step support to make the process as smooth and stress-free as possible.
My goal is to simplify the mortgage process while ensuring transparency and integrity. The excellent reviews I receive from my clients reflect the quality of my service and my dedication to their satisfaction.
In addition to working with a diverse range of clients, I am committed to serving low- to moderate-income borrowers. I collaborate with nonprofit organizations to provide affordable financing options, helping more people achieve the dream of homeownership.
Whether you're a first-time buyer or looking to refinance, you can trust me to guide you through the mortgage process with professionalism, care, and a bilingual approach. Let’s connect and see how I can help make your homeownership journey a success.
Mortgage Specialization
- Adjustable-Rate Mortgages
- Condominium Financing
- 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
- Second Homes
- 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 | 7.098% | 7.253% 1 |
| 15-Year Fixed | 6.407% | 6.653% 2 |
| FHA 30-Year Fixed | 5.852% | 6.733% 3 |
2Rate 6.407% with an APR of 6.653% as of 12/20/2024 10:04 AM EST. 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 $2,078. 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 5.852% with an APR of 6.733% as of 12/20/2024 10:04 AM EST. 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 $1,441. 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.
Request a contact
Fill out the information below and I'll reach out to you shortly.
Sr. Loan Officer NMLS ID: 71081
Garden City, NY 11530
Let's do the math (the easy way).
Use our home loan calculators to break down the costs of buying a new home. How does a higher or lower down payment affect your monthly payment? Should you get a fixed or adjustable rate mortgage? Play around with different scenarios so you can make informed decisions about your home loan.
So, how does getting a mortgage work?
Buying a home is a big deal, and there are many ways to finance it. Understanding the basics of a home loan will get things off to a great start. Learn about the steps in the process, the paperwork you'll need, and what makes up your monthly payment.
