About Elizabeth Tapia
With over 20 years of experience in the mortgage industry, I have held a wide range of positions—including mortgage processor, junior underwriter, closer, collections specialist, and loan officer. This diverse experience has given me a comprehensive understanding of every phase of the loan process, equipping me to solve problems efficiently and guide clients through even the most complex transactions.
I was raised in two cultures, spending my high school years and a year of college in South America before completing my studies at Seton Hall University, where I majored in Economics. My international background, combined with my professional expertise, allows me to connect with clients from all walks of life. As the oldest child in a large family, I've always taken on the role of advisor and protector. This same sense of responsibility and care is what I bring to my clients, ensuring they make informed decisions throughout the mortgage process.
I pride myself on providing exceptional service built on clear communication and a problem-solving approach. I understand that a mortgage is a significant decision, and I am committed to making the process as seamless and transparent as possible.
Outside of work, I'm passionate about running, swimming, and cycling. Over the years, I've completed numerous half marathons, three full marathons, and two triathlons. These pursuits reflect my commitment to discipline and perseverance, qualities I bring to my professional life as well.
I'm also deeply involved in charitable efforts, particularly with "Por La Sonrisa de un Kalawawa," an organization that brings toys and support to underprivileged children in rural Bolivia. For more than 30 years, I've been actively contributing to this cause, helping improve the lives of children in need.
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Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.490% | 6.698% | 0.692 ($2422.00) | $2209.94 |
| 15-year fixed | 5.375% | 5.809% | 0.836 ($2926.00) | $2836.63 |
| FHA loan | 5.990% | 6.957% | 0.64 ($1953.60) | $1964.90 |
| VA loans | 5.750% | 6.234% | 0.804 ($3285.15) | $2384.48 |
| Jumbo loans | 5.990% | 6.238% | 0.913 ($8217.00) | $5390.17 |
* Rates current as of 4/6/2025 02:19 pm, provided by Elizabeth Tapia, for Essex County, NJ, 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.
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