Debra Shultz NMLS 49302 at Guaranteed Rate Affinity

Debra Shultz NMLS 49302 at Guaranteed Rate Affinity SVP of Mortgage Lending, NMLS 49302
at Guaranteed Rate Affinity (d/b/a GR Affinity, LLC in New York state) NMLS 1598647.

At Guaranteed Rate Affinity, we provide the best experience possible, featuring low rates, fantastic customer service and a fast, simple process!

07/28/2026

Rent increases can make it harder to plan ahead, especially when your monthly payment keeps shifting. Ownership is not the right move for everyone at every moment, but understanding how the numbers compare can help you make a more confident decision.

I can help you look at your options.
https://myoc.io/iLYib6O4707/SSDq4



NMLS # 49302

07/27/2026

Your mortgage has been working in the background. The question is whether it's working hard enough for where you are now. Rates could be part of that conversation. Mid-year is the right time to find out.

Let's talk through what's possible.
https://myoc.io/iLYib6O4707/mPWil



NMLS # 49302

07/23/2026

The little changes are usually the ones you feel most. A better setup outside, like a patio or deck. A fresh look inside with new paint or finishes. Lighting that works when the day winds down. It all adds up to a home you enjoy more, every day. And when you’re ready to take it further, your home’s equity could help make those updates happen.

I’ll help you sort through what’s worth doing now and what can wait.

Explore your options.
https://myoc.io/iLYib6O4707/LLluA



NMLS # 49302

07/22/2026

The more you know about your LTV, the more confident you'll feel at every stage of the process. Ready to get there?

Let's connect.
https://myoc.io/iLYib6O4707/uP5RP



NMLS # 49302

07/20/2026

As your life changes, it can be helpful to revisit how your mortgage fits into your financial picture. A simple conversation can help you better understand where things stand today and what questions to consider next.
https://myoc.io/iLYib6O4707/Lizeu



NMLS # 49302

The cooling market can be challenging, especially if you’re a first-time homebuyer. However, it’s also the best time to ...
07/16/2026

The cooling market can be challenging, especially if you’re a first-time homebuyer. However, it’s also the best time to make a plan. Let’s talk. A clear picture of your goals, purchasing power and market conditions can help make homeownership a reality.
https://myoc.io/iLYib6O4707/W5fCk



NMLS # 49302

07/14/2026

Consistent payments. Zero equity. That's rent math for you. If you've been wondering whether owning could be a smarter move for your finances, I can help you find out.

Reach out to see how renting compares to owning.
https://myoc.io/iLYib6O4707/k4vSs



NMLS # 49302

07/13/2026

If you've been turned down for a mortgage, the reason might surprise you. It probably wasn't your cash flow. It wasn't your savings. It wasn't even your credit. It was your tax return. Specifically, the number traditional lenders use to decide how much you can borrow. For self-employed borrowers who minimize taxable income, that number rarely tells the whole story. The finances were never the problem. The loan product was.

Let's explore the options that may be a better fit.
https://myoc.io/iLYib6O4707/eDDPp



NMLS # 49302

Making the right moves could give you an edge in scoring your dream home. Many buyers are currently focused on affordabi...
07/09/2026

Making the right moves could give you an edge in scoring your dream home. Many buyers are currently focused on affordability, which means a strong offer stands out among the rest.

Let’s connect and make a plan that lets you navigate the market with confidence.
https://myoc.io/iLYib6O4707/8LTtD



NMLS # 49302

07/08/2026

Not knowing exactly what's in your mortgage payment is way more common than people realize. Property taxes and insurance may be part of your monthly cost and that can add up in ways that can catch you off guard. Midyear is a great time to stop guessing and start knowing.

I'm here whenever you're ready to take a look.
https://myoc.io/iLYib6O4707/Onvj9



NMLS # 49302

Address

348 West 14th Street, 2nd Floor
New York, NY
10014

Telephone

+19177576633

Website

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