As an experienced loan professional with a foundation of integrity and reliability, Christina Herzig has the experience and knowledge to assist her clients through the ever-changing arena of home financing. Having been in the mortgage industry since 1998, Christina started as a loan processor and put herself through college, earning a teaching credential.
Christina taught 4th grade at a local elementary school for 2 years before returning to her other passion in helping people realize their homeownership dreams in 2004.
About Me
VP of Mortgage Lending
Guaranteed Rate Affinity
NMLS #220962/ Guaranteed Rate Affinity, LLC NMLS# #1598647
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
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.
MG
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.
BG
Thank you Christina because without your help, patients and dedication my husband and I would have not been able to say we are home owners. Since the beginning you went over our options and made all the process till the end feel like a breeze. Before we knew it we were all done. I will not imagine going though a refinance or purchase without you in our team. Keep up the great energy!!
CM
Christina was able to provide us several workable options in a crazy time with the market. She far and away had the best options for us and made the process absolutely seamless. Her team communicated so well I was never in doubt of where we stood or what was needed. I very much appreciate her helpful, friendly spirit which really made the experience a good one. We will absolutely be going to Christina for future needs and have already recommended her and her team to a friend!
JC
This was the first loan I worked on with Cristina and she was so positive and helpful. She made the process easy and it flowed in a organized fashion. Her attitude is just so upbeat and professional. She worked hard to get us the best rates possible in the changing market. Thanks!
TT
We just closed on the third loan Christina has done for us. Each time, she has been a total pro. Her communication is clear and she's helped me work through any challenges that have come along. While her technical expertise is clearly evident, it's her kindness and great attitude that has kept me coming back. I'm a huge fan.
BG
I was referred to Christina from a work friend and within hours of reaching out to her via email I got a friendly response with easy to follow instructions on how to proceed. The entire process was not difficult at all and Christina even gave me tips on how to avoid unwanted solicitation that inherently goes along with applying for a refinance. In the end I got a great rate and I'm now all set with automatic payments with 100% confidence that I couldn't have had a better experience anywhere else. Thanks Christina!
I so enjoy working with Christina because I trust her. I appreciate her professionalism and this made me feel comfortable to work with her on my personal mortgage too. She is organized, competent and efficient. The refinance process was streamlined and I highly recommend working with her.
JR
Christina is the BEST, and I feel so grateful and fortunate to have met her as my loan officer for my first home buying experience! I couldn't have asked for more! With Christina's help and guidance, I was able to get the mortgage loan that I needed for my dream home with the lowest interest rate. Thanks to Christina! I had a fantastic experience working with her in making me aware of all the ins-and-outs of home-buying and the mortgage process. Everything went smoothly, and the loan approval process went super fast! We were able to close just 25 days after the seller accepted my offer.
As a first-time homebuyer, I had an amazing experience with Guaranteed Rate Affinity and Christina. She was very patient with me in responding to my ignorant questions about anything related to home-buying. She truly educated me well on this topic. She acknowledges your unique scenario and works with you to help you buy a home versus a large bank with so many clients that they'll see you just an account number. I always felt like I was in great hands!
Christina is the consummate professional and was very approachable to the greatly intimidated first-time buyer that I was. She answered her phone and responded to my email and text messages promptly. I feel like I got a free course in mortgage lending and acquired great value from my experience with Christina. At the end of this process, Christina was not only my competent loan officer but also became my dear friend. I would unconditionally recommend her to anyone who would like to have an experienced, skilled, and compassionate loan officer in their corner. She made my dream come true!
As a first-time homebuyer, I had an amazing experience with Guaranteed Rate Affinity and Christina. She was very patient with me in responding to my ignorant questions about anything related to home-buying. She truly educated me well on this topic. She acknowledges your unique scenario and works with you to help you buy a home versus a large bank with so many clients that they'll see you just an account number. I always felt like I was in great hands!
Christina is the consummate professional and was very approachable to the greatly intimidated first-time buyer that I was. She answered her phone and responded to my email and text messages promptly. I feel like I got a free course in mortgage lending and acquired great value from my experience with Christina. At the end of this process, Christina was not only my competent loan officer but also became my dear friend. I would unconditionally recommend her to anyone who would like to have an experienced, skilled, and compassionate loan officer in their corner. She made my dream come true!
PC
Christina was very professional and knowledgeable, and kept us in the loop during the entire refinancing process. While refinancing during this challenging time (COVID), she continued to keep the process moving and assisting in any areas where there were questions and/or concerns.
We highly recommend Christina for any of your mortgage needs.
We highly recommend Christina for any of your mortgage needs.
JF
Christina was great to work with when we bought our home and during a recent refinance. She is very nice, professional, competent and efficient. Our refinance process was surprisingly easy and stress free. We will definitely use Christina in the future and highly recommended her.
PA
We can't thank Christina and her team at Guaranteed Rate Affinity enough for helping us with our latest refinance. The pandemic has made all of our lives more challenging but Christina and her team worked tirelessly to get our loan completed as quickly as possible. We couldn't be happier with our refinance. Customer service is extremely important to us and it is why we continue to use Christina Herzig with our home loans.
MC
Christina was awesome. She is super efficient and dedicated to making sure every step is clear and understood. She walked us through the minefield of mortgages and the online portal made the process even easier. Professional, smart and amiable, this is the second time we have had the pleasure to work with her.
HH
Christina was very friendly and efficient. The whole process of my mortgage loan could not have gone smoother. I highly recommend Christina to service anyone's mortgage needs.
LW
This was my first time buying a home. And Christina was instrumental in making it happen. From our very first communication she has been completely professional, helpful and wonderful. When I had any questions she answered them fully and completely, always within an hour or so. I was so impressed with her expertise and knowledge and ability to surmount any and all seemingly ( at least to me ) insurmountable obstacles and situations during the home buying process. I would happily recommend anyone buying a home to speak with Christina Herzig first.
RT
Christina is so easy to work with. She has done a couple of mortgages for us. I love the transparency she provides to a somewhat murky world of lending. Would highly recommend Christina to anyone who is in need of a loan.
SR
Christina Herzig was amazing to work with when it came time to refinance our home. She was very knowledgeable and answered all of my questions quickly and with patience. She was there when needed, but didn't apply the typical "sales" pressure. She was patient and let us watch the rates right up to the end of our window. Would absolutely recommend her and would use her again in the future!
JD
Christina is absolutely wonderful to work with. She helped us get into our dream home in 2018 and assisted with our refinance this year so we could save more every month. Christina is very genuine and checks in with you to see how you are doing aside from just business. Anyone who works with Christina will not be disappointed!
AM
Christina is very helpful during refinancing my home and she answered all my questions during the process. She’s very courteous and professional and I would like to thank her for a great job!
SW
Christina is simply outstanding and I couldn't be happier with the service she has provided. The entire loan process was seamless even during this difficult time of the current pandemic. I am extremely grateful for Christina's continued communication, giving me updates all through the loan process. I highly recommend Christina and her team for the outstanding service that she provides.
SD
I highly recommend Christina. Her professionalism and persistence in securing financing during an uncertain time in the financial industry made a typically stressful experience, stress free. She is the best!
JS
Christina handled my refinance efficiently, and quickly. With a pleasant disposition. She called me back during the process and worked out an even lower rate, which was exciting. I would recommend her to any one looking for a home loan.
John Kiely
John Kiely
HH
I was so presently surprised by the thoroughness, personal touch, and attention to detail that Christina provide to me during my re-fianance. Promises made and Promises kept. She made me feel so very comfortable during this process. Anyone that has ever re-financed a home knows the stress of the process and honestly, I never experienced any stress with Christina. She is a credit to her profession and I am so very happy with my outcome...I would highly recommend Christina Herzig and Guaranteed Rate Affinity for future financing or a re-finance.
JR
IT WAS A PLEASURE WORKING WITH CHRISTINA. SHE MADE THIS REFINANCING PROCESS VERY SMOOTH. SHE TOOK CARE OF ME LIKE IF I WAS FAMILY. COULD NOT HAVE ASKED FOR A MORE PLEASANT EXPERIENCE. EVERY QUESTION I HAD SHE WAS VERY PATIENT AND ANSWERED QUESTIONS VERY THOROUGHLY. I WAS VERY HESITANT AND SCARED AS I HAD NEVER BEEN THROUGH A REFINANCE, BUT SHE MADE THIS EXPERIENCE A BREEZE TO GO THROUGH.
NMLS #1598647