Guaranteed Rate Affinity is a newly created partnership between Realogy and Guaranteed Rate that provides the best mortgage experience possible, featuring low rates, fantastic customer service and a fast, simple process.
https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1598647
https://www.grarate.com/licensing
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Lou Tornambe
VP of Mortgage LendingNMLS #257554
Tiffany A. Doyle
Sr. VP of Mortgage LendingNMLS #236890
Christina Herzig
VP of Mortgage LendingNMLS #220962/ Guaranteed Rate Affinity, LLC NMLS# #1598647
James Clark
Producing Branch MangerNMLS - #259345
Kyle Pugel
VP of Mortgage LendingNMLS #384264
Bruce Nangle
VP of Mortgage LendingNMLS# 267122
Rod Michotte
VP of Mortgage LendingNMLS# 378601; CO: 100009204
Sue Baker-Dirickson
VP of Mortgage LendingNMLS# 281021
Dimitri Timm
VP of Mortgage LendingNMLS# 280212 NMLS ID#1598647
Brett Aschoff
VP of Mortgage LendingNMLS #203670
Cheryl Boldig
Vice President of Mortgage LendingNMLS #1021838, CalDOC #1021838, GRA NMLS #1598647
Simon G. Atik
VP of Mortgage LendingNMLS #961014
Ryan Rosplock
VP of Mortgage Lending, Team LeadNMLS# 278888
Kaycee Pugel
VP of Mortgage LendingNMLS #314691
Mike Fagan
VP of Mortgage LendingNMLS# 182530
Lori Bautista
VP of Mortgage LendingNMLS #370835
Tim Martin
VP of Mortgage Lending at Guaranteed Rate AffinityNMLS# 16273
Lucia M. Solis
VP of Mortgage LendingNMLS #260848
Frank Monaco Jr.
VP of Mortgage LendingNMLS #245964
Julie Schumer-McMahon
VP of Mortgage LendingNMLS #235802
John Moony
SVP of Mortgage Lending, Originating ManagerNMLS# 206094
Eric S. Bleth
VP of Mortgage LendingNMLS #284916
Jon Smith
VP of Mortgage Lending, Team LeadNMLS# 196479
Michael Stepek
Origination ManagerNMLS# 28268
LK
Lou and his team did a great job with our new home purchase. It was not an easy task since we were out of the country for a funeral. Nonetheless, they were fantastic even with smoothing things over with the seller just to make sure they understand our current situation. Very knowledgeable on the real estate business and I truly benefited from that experience.
SM
Shanna Marroquin
recommends
Lou Tornambe
May 22, 2026
Lou was thorough throughout the entire process. He took the time to answer any questions and prepared us for each step along the way. He is an expert in this industry and I would highly recommend him.
EM
Eddie Marroquin
recommends
Lou Tornambe
May 22, 2026
Lou was exactly what we needed during a major life decision: honest, clear, available, and steady from start to finish. He answered every question directly, explained each detail without pressure, and helped us feel confident throughout the process. I cannot imagine a better experience, and I highly recommend Lou.
AP
Alicia Pavlinko
recommends
Lou Tornambe
May 11, 2026
Lou was fantastic through the entire process. Helped us make referrals and made the application process smooth and easy. He is very personable and extremely helpful. He communicated well and helped us navigate some unique situations that came up to ensure we closed on time. Great person to work with.
JD
Joshua Dickens
recommends
Lou Tornambe
May 11, 2026
Lou was amazing to work with. The whole process was simple, easy, and very fast! This was the easiest home-purchase process we’ve ever gone through - and we’ve bought and sold a number of homes over the years. I absolutely recommend Lou to help you with your next home purchase!
PN
Lori was very helpful in addressing the challenges we were dealing with to obtain a Home Loan. The worksheet she presented showing the loan options help clarify our available options. I would recommend Lori to anyone interested in exploring Home Loan options.
AH
Angel Hernandez
recommends
Lou Tornambe
Feb 19, 2026
Lou was amazing throughout the entire process. As a first time homebuyer there was a lot I didn't know. Lou helped me understand the entire process, kept me updated as things moved along, and always took the time to answer my questions and let me know what was going to happen next. Highly recommend working with Lou. You'll definitely be in good hands.
JL
Justin Leinbach
recommends
Lou Tornambe
Feb 4, 2026
We can’t thank Lou enough for helping us land our first home! We started this journey knowing very little about the process, but Lou’s guidance made us feel like pros. He was always just a text or call away, keeping us excited rather than overwhelmed. If you want someone who truly cares and stays on top of every detail, Lou is your guy!
MV
Maddy Van Alstine
recommends
Lou Tornambe
Jan 21, 2026
We were first time home buyers who did not know much about this process. Lou went above and beyond to help us feel informed, confident, and excited about our first home purchase! He was incredibly easy to get in touch with, great with follow up and communication, and he made what can be a stressful process, very easy and enjoyable! So grateful to have him on our team!
RB
I had purchased home properties before and to be honest working with Lou and his team was the easiest I ever dealt with. Everything went well, the process is very smooth, there was no stress! I also want to point out that I was surprised when he came in-person to the actual closing. Like who would do that?! That tells you that he is appreciative his customers and he cares.
Thank you Lou and team for all the hardwork.
Thank you Lou and team for all the hardwork.
DF
Davis Family
recommends
Lori Bautista
Sep 11, 2025
We have completed 2 loans with Guaranteed rate affinity and have been very happy with the speed and efficiency of the process.
SY
Throughout the loan process, we were constantly in the loop with where we were in the process. It was clear that everyone was working together to support us with our loan. Lori was very involved and ensured that we understood everything that was happening. She provided us with documents that broke down our possible mortgage payment and advised on how we would be able to bring down our mortgage insurance and our overall monthly payment. We felt supported throughout the whole process.
DD
Dominic Davis
recommends
Lori Bautista
Aug 27, 2025
Even though outside entities didn't make it easy, my team fought hard and did a fantastic job. I'm very appreciative that they made my first home buying experience and great one.
DL
Diana LaSpada
recommends
Lori Bautista
Aug 27, 2025
Very professional and helpful in getting the loans organized.
JG
I can't thank you enough for your time and the extremely helpful information you provided (and continue to provide). I want to make the smartest and best financial decision for my kids and myself and I appreciate you looking out for me the way that you are. You have made me feel empowered and hopeful. This is a scary process for me but you have definitely alleviated that feeling. I have started to draft an email to Oran about this and I know that the outline you just provided will be extremely helpful.
SC
Shawnna Connolly
recommends
Lou Tornambe
Jul 23, 2025
When another broker couldn't get it done, Lou did. He stepped in to the middle of my buying effort and made it happen. We were also able to close in record time, thanks to Lou. Highly recommend.
CT
Curtis & Tawnya Nelson
recommend
Lou Tornambe
Jul 3, 2025
10 out of 10 recommend working with Lou. Very attentive, answered all our questions. He would answers all our phone calls and if not he would get back very promptly. He got us to the closing table fast. He is very good at his job. Thanks again Lou!
I had the pleasure of working with Christina Herzig during my mortgage lending process, and I can confidently say she exceeded expectations at every stage. Christina demonstrated exceptional knowledge, professionalism, and attention to detail. She took the time to explain complex steps clearly and was always accessible for questions or updates.
What stood out most was her commitment to making the process as smooth and stress-free as possible. Christina was proactive, transparent, and genuinely invested in ensuring the best outcome for me. Her integrity and dedication reflect her leadership in the lending field.
I highly recommend Christina Herzig to anyone seeking a reliable, knowledgeable, and trustworthy mortgage professional. She truly makes a difference in this industry.
What stood out most was her commitment to making the process as smooth and stress-free as possible. Christina was proactive, transparent, and genuinely invested in ensuring the best outcome for me. Her integrity and dedication reflect her leadership in the lending field.
I highly recommend Christina Herzig to anyone seeking a reliable, knowledgeable, and trustworthy mortgage professional. She truly makes a difference in this industry.
DA
Dan Arellano
recommends
Lou Tornambe
May 12, 2025
I don’t know where to begin! Lou not only has the experience, but he also has the patience to slow everything down and explain every little thing that you don’t understand. One thing I loved was that he treats you like family and makes you feel comfortable. This was my first time buying a house, and he was there the entire way. He answered every “little” question and made our process much easier. Lou showed a high level of professionalism and the instincts of a person you can fully trust. We are very happy we had the chance to work with him, and I highly recommend him and his team.
BR
Brittaney Roberson
recommends
Lou Tornambe
Apr 23, 2025
Lou was fantastic from beginning to end! Lou had excellent communication, walked me through the process and never dropped the ball. I truly feel that Lou was a huge part of why the process was so seamless for me. Big thanks for Lou and the entire team at Guaranteed Rate Affinity!
SB
I would highly recommend Lou to anyone looking for assistance in the home buying process. Lou's communication was amazing throughout the process - he was informative, knowledgeable, patient and responsive. I could not have imagined a better person with whom to navigate the complicated world of home buying and mortgages.
JB
I worked with Lou for a few years in the early 2000s. I recommended Lou to my son, Nicky (as I call him), for his First-Time Home Purchase. Lou did a great job communicating, explaining and educating Nicky on all of the aspects of getting a mortgage and buying a home. Lou guided Nicky through the mortgage loan process and closing every single step of the way. Lou even went above and beyond his responsibilities by communicating every step with me too. Lou recommended a terrific Realtor to guide and help Nicky with all aspects of finding, contracting and closing on the home. I HIGHLY recommend Lou for all aspects of mortgages and will definitely be recommending and using him for any future needs. Thanks Lou, WELL DONE!!!
IE
Lou and his team were a tremendous help In purchasing our lovely home, we couldn’t be happier. He gave us sound advice that saved us money and we walked into equity right away. Even our elderly cat loves it and won’t shut up about it. Thank you guaranteed rate affinity we will definitely use you in the future.
SB
Shana Berry
recommends
Lou Tornambe
Feb 14, 2025
Lou is a top notch professional in the lending world. He brings real world insight along with no nonsense explanations during the loan process. He was always willing to give of his time whenever a need arose and he always offered positive support. Lou's team was efficient, dedicated and on the ball.
This loan process could not have been any smoother. My husband and I felt supported and that Lou had our backs and our best interest at heart, always.
We would definitely recommend Lou to anyone looking for a lender.
This loan process could not have been any smoother. My husband and I felt supported and that Lou had our backs and our best interest at heart, always.
We would definitely recommend Lou to anyone looking for a lender.
JM
John McCabe
recommends
Lou Tornambe
Feb 10, 2025
Lou is the best! Very knowledgeable and willing and wanting to explain every step of the process! I asked all the questions and he had all the answers! Closing costs were low, and he put me in the best position to succeed. Very professional, friendly, and always available. Would highly recommend to anyone!
