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Shane Cook

Producing Branch Manager

NMLS #476328

 * shane.cook@rate.com
 * (252) 596-0560
 * Rate.com/shanecook

Talk to an insurance expert today

 * (866) 947-5397

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 * Mortgage
 * HELOC
 * Personal loans
 * Reverse mortgage
 * Insurance

 1. 
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    Shane Cook
    
    Producing Branch Manager
    
    NMLS #476328
    
     * shane.cook@rate.com
     * (252) 596-0560
     * Rate.com/shanecook
    
    Talk to an insurance expert today
    
     * (866) 947-5397
    
    
 3. Log in
    
    Log in
 4. Get started
    
    Get started

958AF723-044B-44AE-8DDF-5F74A73EE180

Purchase or refi

Find the perfect loan for you.



7DAA2E0B-2C44-48F8-B199-5C034869D55B

HELOC

Use your home’s equity.



0BADBA96-4EFF-4947-BB17-54881092BC53

Personal loan

Receive funds within days.



4F05F34B-5AA3-4AFE-9697-2919AE653CEC

Reverse mortgage

Fund your life if you’re near retirement.



ACDC5765-BCF2-486C-9196-DECC4C203A85

Rate Insurance*

100+ top carriers.

This will direct you to an external website.





MORTGAGE

Current ratesMortgage resourcesRefinance & homeownershipLoan OptionsMortgage
calculatorsExpert advice

 * 
   How much income & down payment is needed for a $300k home?
 * 
   How much income & down payment is needed for a $400k home?
 * 
   How much income & down payment is needed for a $500k home?




INSURANCE

Home & propertyAutoLifeBusinessSpecialtyExpert advice

 * 
   Which types of motorcycles are easiest to insure in 2024?
 * 
   If my car breaks down, will insurance cover a rental?
 * 
   How Much Does Recreational Vehicle(RV) Insurance Cost?




SELECT THE LANGUAGE YOU PREFER:

The Spanish translation of this page is for the convenience of our clients;
however, not all pages are translated. If there is a discrepancy between the
content of the translated page and the content of the same page in English, the
English version will prevail.

EnglishEspañol
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 * All People/
 * NC/
 * Kill Devil Hills/
 * Shane Cook at Rate (NMLS #476328)


SHANE COOK

Producing Branch Manager
NMLS: 476328
Apply Now
shane.cook@rate.com(252) 207-2665(252) 596-0560
Apply Now


ABOUT SHANE COOK

I have lived in the Outer Banks most of my life. After graduating from Manteo
High School, I attended the University of North Carolina at Wilmington and
earned my B.S. and B.A. I then traveled the world for several years looking for
the place where I wanted to raise a family. Out of all the places I traveled, I
found the Outer Banks to be the most beautiful. I now live in Kill Devil Hills
with my wife, and two children. I have been immersed in the real estate and the
finance industry from an early age. My father built and sold houses and
condominiums, and my mother was a successful mortgage banker. I excelled as a
Loan Officer early on, and graduated top of my class in 2002 for loan
origination. Since then I have consistently been a top performer for my company
in regards to closed loans, as well as customer satisfaction. I pride myself in
a very honest and stress free mortgage process.
Read more



MEET THE APP

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money you need fast.





THE RIGHT ADVICE COULD HELP YOU FIND THE RIGHT MORTGAGE FOR YOU. LET'S WORK
TOGETHER.





GET APPROVED IN ONE DAY

The competitive edge you need to purchase the home you want. Get a fast approval
with options as little as 3% down.

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A HELOC WITH A FIXED RATE JUST FOR YOU.

Our Home Equity Line of Credit can help you fund home improvements & consolidate
debt.

Apply now




GET A PERSONAL LOAN.

Get the extra financial help you need. Apply in Minutes, get your funds in days.

Get started




WE CAN MAKE IT HAPPEN!

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DOWN PAYMENT ASSISTANCE

Overcoming the obstacle of a down payment is possible with grants and programs
available from federal and local governments for homeownership.

Learn more
916FCCF9-8FC8-43ED-A9B4-52753A29BE13


LOW DOWN PAYMENT LOANS

As the initial home investment, we offer VA loans, FHA loans, and USDA loans
which have 0-10% down payment requirements.

Learn more
DD7FEDEF-D3BE-42AD-A3B5-B444A18B65A8


VETERAN LOANS

Military service members and their families are in the unique position to build
equity through real estate at a lower cost than typical homebuyers.

Learn more
06648776-0CEE-4100-88FC-56D9C6BBDC44


BANK STATEMENT LOANS

Self-employed? Our Bank Statement Loan program allows self-employed borrowers to
seek a home loan without tax returns, W2s or pay stubs.

340235FA-79D7-4263-93E3-12849DCDDF28


JUMBO LOANS

You may consider this type if you plan to purchase a larger property or luxury
home in high-end real estate markets.

Learn more
97525B4D-DEF5-483E-B59A-3B65E2109E15


LOCK IN YOUR RATE

Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed
contract. Secure a lower rate while house shopping with this program.

Learn more
D443D3A1-718E-4CC4-9A04-C390CA435AFE


ACCELERATED TIMELINES

Our Same-Day program facilitates you to get your loan approved in one day with
options as little as 3% down.

Learn more
2F27CE48-99FB-4CCB-8E94-82BB3AD89373


PHYSICIAN LOANS

Physician homes loan, can be an affordable option for medical professionals. Our
program includes paid mortgage insurance and as little as 5% down.

Learn more
CB1EBA3A-DB23-495B-B715-9D540A0600CC


FOREIGN NATIONAL LOANS

Not a US Citizen? Foreign National loans are available without a social security
number, green card, or visa and do not require a FICO score.

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REVERSE MORTGAGES

A great option for homeowners over 62 who need additional income to supplement
their retirement income or pay for long-term care.

Learn more


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HELPFUL TOOLS AND REFERENCES

8986FA8E-8ED2-4B32-9D1B-8E1B8F39A4BA
Mortgage calculators
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First time homebuyers guide


CURRENT MORTGAGE RATES

Points:
 * 1
 * 2

What are points?

Loan TypeRateAPRPoints

Mo. Payment

30-year fixed5.990%6.278%0.957 ($3349.50)$2096.1815-year fixed5.000%5.430%0.924
($3234.00)$2767.78FHA loan5.500%6.474%0.753 ($2298.54)$1869.84VA
loans5.500%5.953%0.531 ($2169.67)$2319.99Jumbo loans6.100%6.320%0.923
($8307.00)$5453.95

* Rates current as of 8/25/2024 09:05 p.m., provided by Shane Cook, for Dare
County, NC, and are subject to change without notice.
Mortgage rates disclaimers  
30 year, 15 year rate assumptions
 * Purchase price: $437,500
 * Down payment: 20.00%
 * First Lien Position
 * Primary residence
 * 760 FICO Score
 * 30 day rate lock
 * 80.00% LTV ratio

FHA rate assumptions
 * Purchase price: $310,880
 * Down payment: 3.50%
 * First Lien Position
 * Primary residence
 * 680 FICO Score
 * 30 day rate lock
 * 96.50% LTV ratio

Jumbo rate assumptions
 * Purchase price: $1,200,000
 * Down payment: 25.00%
 * First Lien Position
 * Primary residence
 * 760 FICO Score
 * 25 day rate lock
 * 75.00% LTV ratio

VA rate assumptions
 * Purchase price: $400,000
 * Down payment: 0.00%
 * First Lien Position
 * Primary residence
 * 680 FICO Score
 * 30 day rate lock
 * 100.00% LTV ratio
 * Must meet eligibility assumptions to qualify

This is NOT a mortgage loan approval or commitment to lend. The actual fees,
costs, and monthly payment on your specific loan transaction may vary, and may
include city, county, or other additional fees and costs. Mortgage rates are
offered exclusively through Rate, Inc. and are subject to change without notice.
The payment amount does not include homeowners' insurance, flood insurance (if
applicable), or property taxes that must be paid in addition to your loan
payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to
borrow money expressed as a yearly percentage. For mortgage loans, excluding
home equity lines of credit, it includes the interest rate plus other charges or
fees (such as mortgage insurance, discount points, and origination charges).
These mortgage rates are based upon a variety of assumptions and conditions,
which include a consumer credit score that may be higher or lower than your
individual credit score. Your loan's interest rate will depend upon the specific
characteristics of your loan transaction and your credit history up to the time
of closing. Refinancing may cause finance charges to be higher over the life of
the loan. Rate, Inc. has no affiliation with the US Department of Housing and
Urban Development, the US Department of Veterans Affairs, the Nevada Department
of Veterans Services, the US Department of Agriculture, or any other government
agency.


WE'RE IN YOUR POCKET

We're committed to you as a whole person, from financial to physical and
emotional wellness. Get the Rate experience in a convenient app to fit your
lifestyle on-the-go.

THE RATE APP ALLOWS YOU TO:

 * Monitor your loan status
 * Connect with your loan team
 * Calculators, tools, guides, and advice
 * Track your home value
 * Wellness tips to help you grow holistically




DOWNLOAD OUR APP

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Located at 2407 N Croatan Hwy, Suite B Kill Devil Hills NC, 27948
 * All People/
 * NC/
 * Kill Devil Hills/
 * Shane Cook at Rate (NMLS #476328)


SHANE COOK

Producing Branch Manager

shane.cook@rate.com(252) 207-2665
Make a payment
Apply Now

Manage your mortgage

 * Sign in to your account
 * Pay your mortgage
 * Contact us

About us

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Accessibility | Licensing | Notice to Vendors | Privacy Policies | SMS Terms |
Terms of Use | DNC | NMLS Consumer Access



Delaware Licensed Loan Officers | Texas Consumers: How to file a complaint | Do
not sell my personal information

Please note that applications, legal disclosures, documents or other material
related to Rate products or services promoted on this page are offered in
English only. The Spanish translation of this page is for the convenience of our
clients; however, not all pages are translated. If there is a discrepancy
between the content of the translated page and the content of the same page in
English, the English version will prevail.

Guaranteed Rate, Inc. d/b/a/ Rate may choose to recommend Rate Insurance, LLC.
Guaranteed Rate, Inc. d/b/a/ Rate has 100% ownership and a direct or indirect
financial interest in Rate Insurance, LLC. You are not required to use Rate
Insurance, LLC.

Applicant subject to credit and underwriting approval. Not all applicants will
be approved for financing. Receipt of application does not represent an approval
for financing or interest rate guarantee. Refinancing your mortgage may increase
costs over the term of your loan. Restrictions may apply.

Savings, if any, vary based on the consumer’s credit profile, interest rate
availability, and other factors. Contact Rate for current rates. Restrictions
apply.



Copyright © 2024 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved.
NMLS License #2611 - For licensing information, go to:
www.nmlsconsumeraccess.org
Arizona Mortgage Banker License #0907078
3940 N. Ravenswood Ave Chicago, IL 60613
Operating as Guaranteed Rate, Inc. in New York.
The company name, Guaranteed Rate, should not suggest to a consumer that
Guaranteed Rate provides an interest rate guaranteed prior to an interest lock.

Shane Cook NMLS ID: 476328; NC - I-185225, VA - MLO-12177VA





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