Cindy Zemien
Senior Mortgage Loan Officer
NMLS# 287760
Bell Bank Mortgage
15451 Founders Lane | Apple Valley, MN. 55124
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 mortgage 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 mortgage 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 mortgage consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
Cindy Zemien
Senior Mortgage Loan Officer
NMLS# 287760
Bell Bank Mortgage
15451 Founders Lane | Apple Valley, MN. 55124
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.
BackCindy Zemien has a passion for helping her clients achieve their dreams of home ownership.
For the past 21 years, Cindy has built a solid reputation by exceeding her clients’ expectations by providing excellent service. She builds trust with her client by seeking to understand their financial goals and offering mortgage solutions that meet or exceed those goals. Cindy understands that each client has a unique situation and that through her expertise and knowledge, clients will get the best solution for their particular need.
Cindy loves working with first time home buyers and prides herself on keeping up-to-date with all of new programs to offer to her clients.
Cindy loves her job and it shows in every aspect of her work. She loves working with her clients and forms a friendship with each and every one of them the lasts for years to come.
The balancing factor for Cindy is time spent with her family. Cindy has built her successful career on the foundation of a strong, loving family. When she is not caring for her clients, Cindy can be found running around with her kids or spending time together “up at the lake”.
It’s Cindy’s commitment to earn your trust whether you are buying your first home, refinancing, building a new home, a bigger home or your retirement home. She will have your interest and goals as her number one priority.
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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Cindy Zemien
Senior Mortgage Loan Officer
NMLS# 287760
Bell Bank Mortgage
15451 Founders Lane | Apple Valley, MN. 55124
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Cindy Zemien
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Release: master-7192
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