I Made a Strategic Move…


As a valued client, I wanted to make sure that you are aware of my recent transition on August 16th, 2011 to Guaranteed Rate. I moved to Guaranteed Rate to provide lower rates and lower closing costs to my clients, in addition to a wide range of mortgage products that were not available at my previous company.

I am available today to help you review your current mortgage rate and payment and guarantee that I can offer lower rates and fees. Rates are still unbelievably low! If you or someone else you know is looking to refinance or purchase a new home, I would appreciate the opportunity to work with you (or them). Rates as of September 14, 2011 *:

375,000 (80% loan-to-value) would yield the following rate and fee options:
30 year fixed rate at 4%: Closing costs = $2,850 APR 4.035%
30 year fixed rate at 4.125%: Closing costs = $1,800 APR 4.16%
30 year fixed rate at 4.25%: No Closing costs APR 4.285%

20 year fixed rate at 4.0%: No Closing costs APR 4.041%
20 year fixed rate at 3.875%: Closing costs = $1,750 APR 3.916%

15 year fixed rate at 3.375%: No Closing Costs APR 3.437%
15 year fixed rate at 3.25%: Closing costs: $1,750 APR 3.312%

*For a refinance of a Single-Family home with a 740 credit score and escrows for taxes and insurance. A loan amount of $300,000 and a value of $375,000 (80% loan-to-value) would yield the following rate and fee options.

We also have Jumbo adjustable rate mortgage (ARM) products available for loan amounts of $417,001 to $750,000 (call for rates over $750,000 loan amount). Assuming 75% loan-to-value, we can offer:

5/1 ARM at 3.25%: Closing Costs = $1,000 APR 3.128%
7/1 at ARM 3.625%: Closing Costs = $1,000 APR 3.257%

My cell phone is the best number to reach me.


Chris DePaepe
VP of Mortgage Lending & 203k Loan Division Manager

Guaranteed Rate, Inc.
320 W. Ohio Street, Ste. 410, Chicago, IL 60613
Cell: 773-848-4144 | Office 312-379-3542
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