Best Mortgage Lender Oakland Near Me

4worldlovers: Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, home equity and credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC. Equal Housing Lender

Calculators are provided by Leadfusion. This calculator is being provided for educational purposes only. The results are estimates that are based on information you provided and may not reflect U.S. Bank product terms. The information cannot be used by U.S. Bank to determine a customer's eligibility for a specific product or service. All financial calculators are provided by the third-party Leadfusion and are not associated, controlled by or under the control of U.S. Bank, its affiliates or subsidiaries. U.S. Bank is not responsible for the content, results, or the accuracy of information.

1. The rates above assume you have a down payment, or equity, of at least 25% for a conventional fixed-rate loan, an adjustable-rate mortgage (ARM) loan or a jumbo loan, at least 3.5% for an FHA loan and 0% for a VA loan.

Conforming fixed-rate estimated monthly payment and APR example: A $464,000 loan amount with a 30-year term at an interest rate of 6.500% with a down-payment, or borrower equity of 25% and no discount points purchased would result in an estimated principal and interest monthly payment of $2,933 over the full term of the loan with an Annual Percentage Rate (APR) of 6.667%.

Estimated monthly payment and APR calculation are based on a down-payment, or borrower equity of 25% and borrower-paid finance charges of 0.862% of the base loan amount. If the down payment, or borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

ARM estimated monthly payment and APR example: A $464,000 loan amount with a 30-year term at an interest rate of 5.5% with a down payment, or borrower equity of 25% and no discount points purchased would result in an initial estimated monthly payment of $2,635 with an Annual Percentage Rate (APR) of 6.345%.

Estimated monthly payment and APR calculation are based a fixed-rate period of 5 years that could change in interest rate each subsequent year for the next 25 years of the loan term, a down-payment, or borrower equity of 25% and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. After the 5-year introductory period: the APR is variable and is based upon an index plus a margin. The APR will vary with a predetermined index as published in the Wall Street Journal. If the down payment, or borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums. Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment.

FHA estimated monthly payment and APR example: A $265,375 base loan amount with a 30-year term at an interest rate of 6.250% with a down payment, or borrower equity of 3.5% and no discount points purchased would result in an estimated principal and interest monthly payment of $1,663 over the full term of the loan with an Annual Percentage Rate (APR) of 7.478%.

Estimated monthly payment and APR calculation are based on a down payment, or borrower equity of 3.5% and borrower-paid finance charges of 0.862% of the base loan amount. Estimated monthly payment and APR assumes that the upfront mortgage insurance premium of $4,644 is financed into the loan amount. The estimated monthly payment shown here does not include the FHA-required monthly mortgage insurance premium, taxes and insurance premiums, and the actual payment obligation will be greater.

VA estimated monthly payment and APR example: A $264,000 base loan amount with a 30-year term at an interest rate of 6.250% with no down payment, or borrower equity and no discount points purchased would result in an estimated monthly payment of $1,663 with an Annual Percentage Rate (APR) of 6.663%.

4worldlovers:
Dianne has been a licensed mortgage lender since 2002 and is a nationally recognized mortgage expert. Dianne currently serves as a Regional Manager and Senior Vice President of Mortgage Lending at Guaranteed Rate, one of the nation's largest mortgage lenders. In 2020, Dianne closed $385 million in volume and $455 million in 2021.

Dianne has numerous accolades throughout her long, impressive career in the industry. She has ranked consistently in the Chairman's Circle at Guaranteed Rate; she consistently ranks highly among Scotsman Guide's Top Originators (#5 among women originators as of 2021), and she is an annual member of the Top 100 by Mortgage Executive Magazine, the Top 1% by National Mortgage Daily, and Top 20 Women of Influence by HousingWire. She was named "Affiliate of the Year" in 2018 by the Oakland-Berkeley Association of Realtors.

Whether you're buying a home or refinancing for a lower interest rate, Dianne is here to help. As the second top-producing female loan officer at Guaranteed Rate, she can secure competitive mortgage rates for her clients. She takes a personal interest in each of her clients and provides customized, responsive services tailored to each client's unique wants and needs. Her goal is not just to meet client expectations but to exceed them. Dianne is a firm believer in client education and collaboration. Her goal is to obtain the strongest financing possible and for each of her clients to be confident in their decisions.

Dianne has an undergraduate degree from UC Berkeley, Economics with Honors and a Law Degree from UC Hastings. She is a California native and an active member of the San Francisco Bay Area community where her offices are located. She's on the Board of Directors for Berkeley Symphony and the Affiliate Board Member of the Bridge Association of Realtors. For the past six years, Dianne has served as a member of the Bridge Association's Community Foundation, dedicated to raising money and offering grants to the homeless, elderly, and youth in the Bay Area counties.

4worldlovers:
With over a decade of experience in Real Estate Financing, I bring a wealth of industry knowledge, creativity to the loan process, and the ability to guide clients through the fine details. I have a great ability to connect with people, which becomes particularly important when you are entrusting a professional with your financial information. I'm committed to providing strategic loan strategies to meet the unique, and complex needs of each individual borrower. Clients can count on being fully informed and trust that I will get the job done! My role as a Mortgage advisor goes beyond the closing table, where many clients turn into friends, and trusted partnerships are built! When not immersed in loan files, I enjoy running up to Lookout Point (Joaquin Miller Park), Lake Merritt, and the Hills in my neighborhood. Most of my time is taken up by my wonderful children, and husband who I sincerely adore. When not in mommy and wife mode, I enjoy traveling, dining out, reading my favorite fashion blog, and most importantly, sharing good laughter with family and friends!


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4worldlovers:

4worldlovers:
LaSalle Mortgage Services mortgage advisors are more than financial experts. We serve as your advocate and partner throughout the complex mortgage process. We are proud to have assisted thousands of satisfied customers throughout the San Francisco Bay Area in meeting their dreams of home ownership.


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