About Michael Wagner
Michael knows that everyone has different financial goals, so he takes the time to fully understand each client’s situation in order to recommend the most appropriate mortgage solutions. Guaranteed Rate Affinity offers a full range of loan products and programs to fit specific financing needs, and he makes sure to have a thorough understanding of each. Michael's first objective is to help clients make the best choice, but that is just one aspect of his elite service. He works with homebuyers throughout the mortgage process as a consultant and guide, directing the activities of a dedicated team that includes loan assistants, processors, underwriters and closing specialists. Michael also coordinates with real estate agents and other industry professionals to ensure that the transaction closes as quickly and smoothly as possible.
The right advice could help you find the right mortgage for you. Let's work together.
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The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
Your monthly payment would be
$ 2,024.00
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.625% | 6.840% | 0.747 ($2614.50) | $2241.09 |
| 15-year fixed | 5.750% | 6.082% | 0.715 ($2502.50) | $2906.44 |
| FHA loan | 6.000% | 7.025% | 0.955 ($2915.14) | $1966.87 |
| VA loans | 5.990% | 6.507% | 0.958 ($3914.39) | $2447.14 |
| Jumbo loans | 6.050% | 6.290% | 0.916 ($8244.00) | $5424.92 |
* Rates current as of 4/5/2025 09:18 am, provided by Michael Wagner, for Montgomery County, PA, 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.
Located at 686 Dekalb Pike, Blue Bell PA, 19422