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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Tiffany A. Doyle
Sr. VP of Mortgage LendingNMLS #236890
Lou Tornambe
VP of Mortgage LendingNMLS #257554
Christina Herzig
VP of Mortgage LendingNMLS #220962/ Guaranteed Rate Affinity, LLC NMLS# #1598647
James Clark
Producing Branch MangerNMLS - #259345
Kenneth Lee
VP of Mortgage LendingNMLS #291318
Kyle Pugel
VP of Mortgage LendingNMLS #384264
Bruce Nangle
VP of Mortgage LendingNMLS# 267122
Uvas Yu
VP of Mortgage LendingNMLS #915791
Kim Pettigrew
VP of Mortgage LendingNMLS# 288484
Rod Michotte
VP of Mortgage LendingNMLS# 378601; CO: 100009204
Tammy Cryer
VP of Mortgage LendingNMLS #507206
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
Jud Whyte
VP of Mortgage LendingNMLS ID #261214
Mike Fagan
VP of Mortgage LendingNMLS# 182530
Dan Samera
VP of Mortgage LendingNMLS# 281533
Robert McNeilis
VP of Mortgage LendingNMLS# 207979
Tim Martin
VP of Mortgage Lending at Guaranteed Rate AffinityNMLS# 16273
Lori Bautista
VP of Mortgage LendingNMLS #370835
Lucia M. Solis
VP of Mortgage LendingNMLS #260848
Vicki Fargo
VP of Mortgage LendingNMLS# 284801
Frank Monaco Jr.
VP of Mortgage LendingNMLS #245964
Gene Huang
VP of Mortgage LendingNMLS #334719
Teri Rosa
VP of Mortgage LendingNMLS #288582
Julie Schumer-McMahon
VP of Mortgage LendingNMLS #235802
Andrew Grossman
Vice President of Mortgage LendingNMLS #282302/GRA Company NMLS - #1598647
Brian McWilliams
VP of Mortgage LendingNMLS #507281
John Moony
SVP of Mortgage Lending, Originating ManagerNMLS# 206094
Laura Lockerbie
VP of Mortgage LendingNMLS #299461
Dean A. Scaduto
VP of Mortgage LendingNMLS# 275952
Michael Neill
VP of Mortgage LendingNMLS #233701
John Varughese
VP of Mortgage LendingNMLS #658699
Eric S. Bleth
VP of Mortgage LendingNMLS #284916
Jon Smith
VP of Mortgage Lending, Team LeadNMLS# 196479
Dennis Kowalski
VP of Mortgage LendingNMLS #282816
Curt Wallach
Regional ManagerNMLS #669782
Michael Stepek
Origination ManagerNMLS# 28268
BR
Brittaney Roberson
recommends
Lou Tornambe
Yesterday
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!
MA
Matt Antony
recommends
Lou Tornambe
Jan 15, 2025
Lou was able to get me a great rate and he and his team were very supportive throughout the process. He was also very responsive and was always available via text for questions. Thanks again Lou!!
ZC
Zachery Crane
recommends
Lou Tornambe
Dec 23, 2024
Closing with lou was smooth and efficient lowering the stress involved in the process. He is always available to talk and I would work with Lou going forward. Lou is extremely professional and a pleasure to work with!
SF
Saul farias
recommends
Lou Tornambe
Oct 31, 2024
I’m very thankful for Lou he helped me achieve a big milestone in my life. He was always available during the process. He answered all my questions and made sure me and my family understood the whole process.
DA
Dan Anderson
recommends
Christina Herzig
Oct 26, 2024
Christina was very helpful and responsive. She was patient early in the process when we were trying to sell our other house and didn't know how long we would need before getting into the new one. She always made herself available for a call, if needed, and drove from Sacramento to Monterey to be there for the signing of our closing documents. I would definitely recommend her for a future loan.
TK
Tyler Knox
recommends
Lou Tornambe
Oct 16, 2024
Lou made himself available to my wife and I at nearly all hours to answer a slew of technical and philosophical questions alike. We greatly appreciated Lou's technical expertise and adept ability to make it plain speak to give us the confidence to start a new family chapter. Thanks very much, Lou and team!
SD
An Exceptional Lending Experience with Guaranteed Rate!
I recently purchased a property and had the pleasure of working with Lou Tornambe at Guaranteed Rate Mortgage. From start to finish, the experience was nothing short of amazing. Lou was incredibly knowledgeable, attentive, and committed to finding the best mortgage solution tailored to my needs.
What really stood out was the level of communication and transparency throughout the process. Every step was clearly explained, and Lou always made time to answer my questions, no matter how big or small. They made what could have been a stressful experience feel seamless and smooth.
Not only did they secure a competitive rate for me, but their attention to detail and professionalism gave me complete confidence in the process. I couldn't be happier with the outcome and highly recommend Lou and the Guaranteed Rate team to anyone looking for a reliable, customer-focused lender.
Thank you for making my home-buying journey a success!
I recently purchased a property and had the pleasure of working with Lou Tornambe at Guaranteed Rate Mortgage. From start to finish, the experience was nothing short of amazing. Lou was incredibly knowledgeable, attentive, and committed to finding the best mortgage solution tailored to my needs.
What really stood out was the level of communication and transparency throughout the process. Every step was clearly explained, and Lou always made time to answer my questions, no matter how big or small. They made what could have been a stressful experience feel seamless and smooth.
Not only did they secure a competitive rate for me, but their attention to detail and professionalism gave me complete confidence in the process. I couldn't be happier with the outcome and highly recommend Lou and the Guaranteed Rate team to anyone looking for a reliable, customer-focused lender.
Thank you for making my home-buying journey a success!
MG
Meredith Gafill
recommends
Christina Herzig
Aug 22, 2024
Christina is a fantastic mortgage broker and a really caring human. This is a winning combo, and during our homebuying process, we saw the extent Christina goes to foe her clients. We had a quick escrow and Christina powered through it and delivered a great rate, in a very challenging and changing market. We now have our "forever home" and our "forever mortgage broker". I know we'll be back for refinancing, when rates drop, and for making some major home improvements in the future.
AH
Tammy Cryer was exceptional in helping my buyer secure an FHA loan for his condo. She not only guided us through the loan process but also obtained FHA approval for the entire condo community—a remarkable achievement.
Tammy's communication was excellent, keeping us informed and addressing all our questions promptly. Her dedication and expertise made the entire process smooth and stress-free.
I highly recommend Tammy to anyone in need of a reliable and knowledgeable lender. She truly cares about her clients' success. Thank you, Tammy, for your outstanding service!
Tammy's communication was excellent, keeping us informed and addressing all our questions promptly. Her dedication and expertise made the entire process smooth and stress-free.
I highly recommend Tammy to anyone in need of a reliable and knowledgeable lender. She truly cares about her clients' success. Thank you, Tammy, for your outstanding service!
J
John
recommends
Lou Tornambe
Jul 17, 2024
Lou made himself available day or night even while dealing with some difficult personal matters. He is respectful and efficient and was able to answer all questions I asked in a way that I (someone who does not work in the mortgage or real estate industry) could fully understand. He found the mortgage program that was right for me and made the whole process extremely easy and hassle free.
TR
Taylor Rice
recommends
Lou Tornambe
Jul 3, 2024
I looked around at a couple of lenders before receiving Lou and his team as a recommendation. Lou made the whole process incredibly easy despite us asking to be closed on our home in only two weeks. This was my first time buying a house and Lou took the time to educate me on the entire process and encouraged me to continue asking questions. I will be recommending Lou to all of my friends and family.
To say that Lou is extraordinary is an understatement. I was connected with Lou late in the buying process after experiencing difficulty with a previous lender. Lou returned my call on a Sunday and ensured me that, despite the tight deadlines, everything would be handled timely and my purchase would be his #1 priority. Lou definitely kept his word because, working with Lou, is like working with family, he cares that much. Lou is someone I would work with again and again and again. Service like this just doesn't exist anymore, that's why Lou is the BEST OF THE BEST!
PC
Peter Castillo
recommends
Lou Tornambe
May 31, 2024
It was great working with Lou and the team. The process was smooth amd there was always great communication every step of the way.
TG
I worked with Tammy to help our mutual clients lock in their ideal home! Over the course of many months in a tough market, Tammy was endlessly helpful in presenting creative financing strategies to help increase competitiveness against other offers. When we did get into contract on the perfect home, it was absolutely smooth sailing all the way to close of escrow. I absolutely recommend Tammy and her team!
SM
Stewart M.
recommends
Tammy Cryer
May 14, 2024
Tammy was incredibly patient and helpful throughout our first-time home purchase. She answered all our questions and made sure we were as prepared as possible to apply. When it came time to close, her team were super efficient and got us clear to close in less than 3 weeks. Amazing!
SA
Shawn and Cheryl Holton
recommend
Lou Tornambe
Apr 14, 2024
Lou and his team make Guaranteed Rate shine. Lou has helped us and our family members on several occasions. The latest was for our son, Hunter. They were able to close on his property in 14 days, which seems like some kind of record. As this was our son's first property, we wanted to be at the closing and Lou made sure that the timing worked out so we could. If you have any lending needs, Lou is the only lender you need to call. Thank you, Lou!!
Hunter Holton
recommends
Lou Tornambe
Apr 13, 2024
This was my first time ever going through the process of buying a home and there were a lot of unknowns for me. Not only did Lou answer all my questions, he was always available any time of day! Lou and his team made the impossible possible they not only got me clear to close in about 14 days they also made sure my family was able to be with me for this. He even called me at 8:45 at night to make sure this happened on time. I am extremely grateful for Lou for making a stressful event easy to deal with. He is the only person I’d recommend for this process!
NA
Noelle & Aaron
recommend
Lou Tornambe
Mar 29, 2024
We went through several lenders before selecting Lou for our mortgage lending. He is awesome! He made the process very easy and was able to get us approved very quickly, which was such a relief because we were on a tight timeline. He couldn't have made the process any easier and his knowledge and expertise in the field is evident. I highly recommend Lou!
I’ve been in the Mortgage business for a long time before becoming a Realtor in 2011. I know a good mortgage loan officer when I see one and Lou is one of them. My buyers chose Lou as their preferred lender, and I was very thankful for Lou’s professionalism, communication, quick closing, and doing everything to get this deal done. I highly recommend him for any of your mortgage needs.
SA
S & A Gonzales
recommend
Lou Tornambe
Nov 14, 2023
Lou was so great to work with! He is very knowledgeable about the VA loan process and had some great incentives to offer veterans! Lou also helped us get the best rate possible in this impossible market! We woud definitely reccommend Lou and Guaranteed Rate Affinity if you are looking to but a home.
