Joe Farro
Certified Mortgage Planner
NMLS #153572 HEM #2617711
Text "homeexpress" to 36260 for my app
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.
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 sales consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
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 sales consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
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 sales consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
Joe Farro
Certified Mortgage Planner
NMLS #153572 HEM #2617711
Text "homeexpress" to 36260 for my app
You can afford $300,000
Your Monthly Payment: $667/month
Total Loan Amount: $240,000
Total Amount Paid: $240,000
Estimated insurance needed: $667/month
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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.
BackGrowing up in the Chicago area and having family in the South lead me to move to move here after college. In the early 90's I helped open a new business that turned out to be one of those life lessons that thankfully introduced me to the mortgage industry. Starting my career in Atlanta with small mortgage broker and working along side some well respected professionals helped me to to build a successful Mortgage practice. When not working I am usually to be found spending time with my family & friends. In my spare time(rarely) I enjoy Traveling, Reading, Poker & Hockey
After graduating with a BBA in Finance from Loyola University, I began my business career at the Chicago Mercantile Exchange. I worked as an investment consultant as well as other capacities in the financial marketplace before ultimately entering the home loan industry in 1991. My experience and training allowed me to develop systems and skills to set me apart from other loan officers. With the belief in training and development as a Certified Mortgage Planner I am also an instructor for real estate professionals. I have had the opportunity to assist to develop and train some top loan officers.
My commitment to creating a superior customer service platform helped me to introduce the Loan Originator Pro system for mortgage professionals and is what continues to be the driving force. Using advanced tools such as LoanPro & the Home Express Mortgage Plan will provide detailed financial assessments to allow us to identify the best loan options available for your situation.
DISCLAIMER
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.
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Joe Farro
Certified Mortgage Planner
NMLS #153572 HEM #2617711
Text "homeexpress" to 36260 for my app
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Release: master-6419
Joe Farro
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Release: master-6419
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