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Current rates
Mortgages
BackMortgage OverviewMortgage newsMortgage rates todayMortgage
pre-approvalMortgage processMortgage calculatorRefinanceCash-out refinance
Loan Options
BackFixed Loans15-year fixed loans30-year fixed loansARM Loans5-year ARM
loan7-year ARM loan10-year ARM loanFHA loansInterest only loansVA loansJumbo
loansPersonal loansHELOC
Mortgage tools
BackMortgage CalculatorClosing cost calculatorRefinance calculatorAffordability
calculatorExtra payment calculatorPoints calculatorHome valuation toolHousing
market research
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JUSTIN RUSSELL WACO, TEXAS

VP of Mortgage Lending
(254) 216-0204
(254) 216-0204
Apply now Link Opens in New Tab
(254) 216-0204
(254) 216-0204
Email me
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Justin Russell
VP of Mortgage Lending
Apply now Link Opens in New TabContact me

As your trusted Guaranteed Rate Loan Officer, my goal is to simplify the
mortgage process, make your home loan experience easy to navigate and be
available to you from application to closing. I take pride in thoroughly
educating my customers throughout the mortgage transaction, so they fully
understand their options and feel comfortable with their chosen loan program.
Whether you are a first time home buyer or seasoned owner, you can trust me and
my team with all of your home financing needs. Please reach out anytime using
the contact information located on this page and use this website as a resource
as you start your home financing journey.

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TODAY'S RATES

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Loan typeRateAPRDiscount points ($)Mo. payment



Mortgage Rates Disclaimers

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 Guaranteed 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).

Product Assumptions:

Conforming: Sample monthly payments for conforming loan products are based on a
purchase price of $437,500, and a down payment of 20.00%. Advertised rates and
APRs are subject to change without notice. Above scenarios assume a first lien
position, 750 FICO score, 30 day rate lock on a primary residence.

Jumbo: Sample monthly payments for jumbo loan products based on a purchase price
of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are
subject to change without notice. Above scenario assumes a first lien position,
760 FICO score, 25 day rate lock on a primary residence.

FHA: Sample monthly payments are based on a purchase price of $310,880, and a
down payment of 3.50%. Advertised rates and APRs are subject to change without
notice. Above scenario assumes a first lien position, 680 FICO score, 30 day
rate lock on a primary residence.

VA: Sample monthly payments are based on a purchase price of $400,000, and a
down payment of 0.00%. Advertised rates and APRs are subject to change without
notice. Sample does not include VA funding fee (max VA funding fee of 3.3%).
Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock
on a primary residence. Must be an eligible veteran. Subject to underwriting
guidelines and applicant's credit profile.

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.

One discount points equals one percent of your loan amount.

Guaranteed Rate, Inc. has no affiliation with the US Department of Housing and
Urban Development, the US Department of Veterans Affairs, the US Department of
Agriculture, or any other government agency.

8810 W. Highway 84
# 306
Waco, TX 76712
US
 Link Opens in New Tab
(512) 212-7305
(512) 212-7305
(254) 216-0204
(254) 216-0204
justin.russell@rate.com


Justin Russell at Guaranteed Rate (NMLS #1574497) at 8810 W. Highway 84 Waco,
TX Link Opens in New Tab
 1. All People
 2. TX
 3. Waco
 4. Justin Russell at Guaranteed Rate (NMLS #1574497)


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3940 N. Ravenswood Chicago, IL 60613 The company name, Guaranteed Rate, should
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guaranteed prior to an interest lock.

Justin Russell NMLS ID: 1574497; TX - Licensed