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Chris Englebert

Managing Director | Sr. Investment Counselor

Allentown, PA Office
4905 W Tilghman St | Suite 210 Allentown, PA 18104

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Rates Disclosure

Interest rates and APRs are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables - call for details. This is not a credit decision or a commitment to lend.  Mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as "points"), and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on APR, but instead on the interest rate on your Note. Adjustable Rate Mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period.

Rates and APRs also assume owner occupied Single family residences with an 80 loan-to-value (20% Down payment).  Discount point have varied and can be found on www.freddiemac.com.  These mortgage averages are for loans in 1st Lien Position.  The historical Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Use of the data is at the user's sole risk. In no event will the advertiser on this app or Freddie Mac be liable for any damages arising out of or related to the data, including, but not limited to direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is aware of the possibility of such damages.

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As a managing director and institutional consultant in the Allentown, Pennsylvania office of BWC, Chris Englebert provides investment management consulting to both institutional and high-net-worth clients. In this role, he provides clients with manager due diligence, performance reviews, investment strategy and asset allocation recommendations. Prior to Joining BWC in 2015, Chris served for nearly 13 years as a senior investment management consultant with Morgan Stanley where he and his team consulted numerous municipal defined benefit pension and defined contribution plans advising them on various facets of asset allocation, manager selection and index utilization. Previously, he was with Smith Barney for six years as a senior vice president. He began his career in 1984 with E.F. Hutton where he helped create many cutting edge investment reporting and due diligence protocols to align institutional and individual clients with professional money managers. Chris received a bachelor’s degree with a major in agricultural business and a minor in agricultural economics from the University of Minnesota. When not working, he enjoys tennis, golf and snow skiing and spending time with his wife Jamie and their three children and granddaughter. He lives in Allentown, Pennsylvania.

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Ios288 b510c7bb3b5d4144bada61b4c7e65b9d
Chris Englebert

Managing Director | Sr. Investment Counselor

Allentown, PA Office
4905 W Tilghman St | Suite 210 Allentown, PA 18104

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