Sales Manager / Sr. Mortgage Banker
NMLS #75921
Total Mortgage | NMLS #2764 | 185 Plains Road, 3rd Floor. Milford CT 06460
Sales Manager / Sr. Mortgage Banker
NMLS #75921
Total Mortgage | NMLS #2764 | 185 Plains Road, 3rd Floor. Milford CT 06460
Sales Manager / Sr. Mortgage Banker
NMLS #75921
Total Mortgage | NMLS #2764 | 185 Plains Road, 3rd Floor. Milford CT 06460
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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.
BackTammie is a passionate, dedicated mortgage professional. She offers the highest quality of customer service to her clients. Her business involves more than just providing low rates and competitive fees for your mortgage. She helps her clients select a mortgage option that will integrate their long- and short-term financial and investment goals. Tammie's understanding of federal loan programs (FHA, VA, and USDA), as well as state programs, ensures that her clients get the best loan program available. Her knowledge of the Jumbo markets provides down payment and cash reserve flexibility. Tammie continues working for her clients long after the closing. Each year, she will meet with her clients to make sure they are on target with their goals. She will provide a free credit report and review her clients' current mortgage program looking for opportunities to help her clients adjust their strategy to maximize their return on investment. Tammie will also review other options that could be available. It may be advantageous to look at investment property. It may be time to invest in a vacation home. The family may be growing, and it may be time to look for a larger home or build an addition or other improvements. The kids may have moved out, and it may be time to downsize. Whatever their housing needs and goals, Tammie helps her clients achieve them. Tammie began her career as a loan originator in 2002. In compliance with state and federal regulations, she acquired her CT license through the NMLS in May of 2010; NY in December 2013. The mortgage industry has become riddled with regulations. Tammie's goal is to simplify the now complicated mortgage process. She does this by ensuring her clients are properly informed about the choices available to them. Prior to her career in the mortgage industry, Tammie worked for Cadbury Schweppes as an administrative assistant. Tammie currently lives in Shelton, CT with her husband, Jim, and their Shih Tzus, Samson Tammie enjoys vacationing in the Caribbean, cooking, reading, and spending time with friends and family. Her guilty pleasures include watching realty TV shows.
CT LIC# LO-75921 | NY | NJ | FL | CT
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.
Don't Prompt Me Again Ok CancelSales Manager / Sr. Mortgage Banker
NMLS #75921
Total Mortgage | NMLS #2764 | 185 Plains Road, 3rd Floor. Milford CT 06460
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Release: master-6447
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Release: master-6447