About Sylvia Gutierrez
Se habla Español! Sylvia has been in the mortgage business since 1993 and has consistently been recognized for her high level of production and superior customer service. She has been featured in Yahoo Finance’s Top 20 Mortgage Professionals of 2020. She is the author of Mortgage Matters. RealWorks Press, 2015 and a contributing writer to the NOLO’s Essential Guides: Buying your First Home. NOLO, 2019 and Selling Your House. NOLO, 2017.
Sylvia’s goal is to simplify the mortgage process for her customers and make the home loan process easy to navigate and accessible. She and her team thoroughly educate their borrowers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program.
Sylvia graduated from Florida International University majoring in Finance and is a licensed mortgage originator. She resides in the robust and diverse community of South Florida where she has built a word-of-mouth referral network as a trusted advisor with her past customers, real estate professionals, financial planners, employee benefit managers, and CPA’s. She serves as a director on the board of the Mortgage Bankers Association of South Florida.
Aviso de Exención de Responsabilidad: Todas las negociaciones y los Documentos de Transacciones de Préstamos Hipotecarios se realizarán y serán proporcionado en Inglés. Le sugerimos que trabaje con un intérprete de su elección.
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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.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.500% | 6.754% | 0.89 ($3115.00) | $2212.24 |
| 15-year fixed | 5.750% | 6.112% | 0.555 ($1942.50) | $2906.44 |
| FHA loan | 5.990% | 6.978% | 0.911 ($2780.83) | $1964.90 |
| VA loans | 5.990% | 6.535% | 0.843 ($3444.50) | $2447.14 |
| Jumbo loans | 6.250% | 6.413% | 0.699 ($6291.00) | $5541.45 |
* Rates current as of 4/4/2025 06:02 am, provided by Sylvia Gutierrez, for Broward County, FL, 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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Located at 1750 North University Drive, Suite 205 Coral Springs FL, 33071