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.
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.
Choosing the right real estate agent is one of the most important decisions when buying or selling your home. Experience and knowledge of the local market should play a key role in your decision. I was recognized in 2016 as a Diamond Realtor, meaning I was a top 40 Realtor in NWA. I am also the owner and Principal Broker of The Virtual Realty Group Arkansas, LLC and a member of the National Association of Realtors.
I moved to Fayetteville, Arkansas in 1994 from Little Rock Air Force Base. I graduated from Fayetteville High School (1996) and also from the University of Arkansas (2001) with a degree in Small Business and Entrepreneurship. While attending college I was a member of the U of A Rugby team, several clubs, held a full time job waiting tables and added a construction job during the summers. My work ethic is second to none and something you can depend on. My parents have been married almost 50 years. I have three siblings with one older and one younger brother and an older sister. My dad is a retired Colonel from the US Air Force with 26+ years. My mom is a retired VP from the banking industry. I have a beautiful wife of 16 years and two rambunctious little boys. My family instilled me with outstanding moral ethics and determination to work hard. They are my why and what drives me to be successful.
My experience is something you can certainly trust and lean on. I have been in the real estate industry in Northwest Arkansas since graduating in 2001 as both a Realtor and Loan Officer. My many years of experience working on both sides of a real estate transaction will greatly help you navigate the choppy waters and steer you in the best direction for you and your families’ biggest asset. I am committed to your family’s needs, wants and desires. My goal is for you to understand every step of the buying or selling process and deliver results. This high level of commitment has helped me build a remarkable successful business with many repeat clients who also refer their family and friends to me.
I know how important it is to buy your first, second or your dream home. I also understand the stress of selling a home and strive to alleviate that net you the most money. I pride myself on being ethical, fair, and trustworthy with all my clients whether you are an experienced investor or a first-time homebuyer. My goal is to make sure all your expectations are exceeded and your satisfaction is always 100% guaranteed.
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 sales consultant.