The Advantage of Guaranteed Rate Affinity Mortgage Services
Our affiliated mortgage partner, Guaranteed Rate Affinity, offers unparalleled mortgage services that give home buyers a competitive edge. Our in-house lenders are here to support you and your real estate agent every step of the way, ensuring a seamless home buying experience with detailed communication and updates. We’re here to ensure your transaction stays on track.
Pre-Approval for Easier Home Buying
Getting pre-approved with Guaranteed Rate Affinity gives you a significant advantage when negotiating your home purchase. In some cases, a pre-approval could be as good as cash! The Guaranteed Rate Affinity team will help you identify potential low mortgage rates and determine the best loan programs for your needs – even before you start house hunting. One of the first steps is gaining a pre-approval, which involves an examination of your financial situation resulting in a credit report analysis. This is when your credit score, debt-to-income (DTI) ratio and employment history are verified by your Guaranteed Rate Affinity mortgage lender. If approved, you’ll receive a pre-approval letter that details your financial capability and the loan options available to you.
Guaranteed Rate Affinity offers a variety of loan programs to suit your financial situation. Guaranteed Rate Affinity’s knowledgeable loan officers work with you to select the mortgage that best fits your needs. With standout programs like PowerBid Approval1 and Same Day Mortgage2, you can navigate your home shopping with speed and flexibility. The Same Day Mortgage program offers an efficient loan process that could help with a speedy pre-approval.
A Streamlined Road to Homeownership
Our goal is to make your home buying experience as stress-free as possible. By leveraging our in-house lenders and their innovative technology suite, featuring tools such as Loan Status Monitor, both you and your agent stay informed and in control throughout the entire lending process. This integration of technology and customer service provides a clear blueprint for your journey to homeownership.
Enjoy Full-Service Home Buyer Support
Experience the Guaranteed Rate Affinity difference and see how our One-Stop Shop solution, including mortgage, title, home warranty and homeowners insurance, can help you find your dream home.
1PowerBid Approval (the “Approval”) is contingent upon receipt of executed sales contract, an acceptable appraisal supporting value, valid hazard insurance policy, and a re-review of your financial condition. Guaranteed Rate Affinity reserves the right to revoke this Approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation and/or if any information contained your application is untrue, incomplete or inaccurate. Receipt of an application does not represent an approval for financing or interest rate guarantee. Not all applicants will be approved for financing. Restrictions may apply, contact Guaranteed Rate Affinity for current rates and for more information.
2Guaranteed Rate Affinity’s Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Guaranteed Rate Affinity within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Guaranteed Rate Affinity cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Guaranteed Rate Affinity reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Self-employed borrowers are not eligible. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit grarate.com/same-day-mortgage for terms and conditions. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.
Coldwell Banker and Guaranteed Rate Affinity, LLC share common ownership and because of this relationship the brokerage may receive a financial or other benefit. You are not required to use Guaranteed Rate Affinity, LLC as a condition of purchase or sale of any real estate.
Guaranteed Rate Affinity, LLC; NMLS #1598647; 1800 W Larchmont Ave, Chicago, IL 60613; 773-516-6900. For licensing information visit nmlsconsumeraccess.org and grarate.com/licensing. Equal Housing Lender. Conditions may apply. Operating in the state of New York as GR Affinity, LLC in lieu of the legal name Guaranteed Rate Affinity, LLC.