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!

08/06/2026

If you've ever wondered whether a HELOC (Home Equity Line of Credit) and a cash-out refi are the same thing, you're in good company. Plenty of homeowners do. Both tap into the equity you've built, but the way they get you there is different, and that difference matters when your plans change. The good news is you don't have to sort it out alone.

Save this for whenever you're ready, and reach out anytime you'd like a hand making sense of it.
https://myoc.io/iLYib6O4707/q7jMN



NMLS # 49302

Home prices increased in most metro markets in Q2, while sales rose in three of the four major regions. Since prices, de...
08/05/2026

Home prices increased in most metro markets in Q2, while sales rose in three of the four major regions. Since prices, demand and affordability vary by area, the data could affect what you’ve built as a homeowner or what options may fit if you’re buying. A changing market could still create opportunities when you know what to look for.

Reach out, let’s discuss what home financing opportunities this report could create for you.
https://myoc.io/iLYib6O4707/f6Ti7



NMLS # 49302

08/03/2026

The extra monthly cost of mortgage insurance shouldn't stand between you and homeownership and for qualified buyers, it won't. Guaranteed Rate Affinity offers down payment options as low as 3% with mortgage insurance waived.

Let's connect to see if this is the right fit for you.
https://myoc.io/iLYib6O4707/MpbUF



NMLS # 49302

When rates hold steady, it takes some of the pressure off your home financing decisions. It gives you more space to thin...
07/30/2026

When rates hold steady, it takes some of the pressure off your home financing decisions. It gives you more space to think through your options, understand what you can afford and move forward with confidence. As growth and jobs stay steady and inflation remains elevated, the Fed kept rates unchanged this week.

I can talk it through and help you find the right path forward.
https://myoc.io/iLYib6O4707/HNqPl



NMLS # 49302

07/30/2026

Most homeowners know their monthly number but not what it's actually made of. PITI breaks it down into the four parts that shape every payment. When you understand each piece, budgeting gets a lot clearer.

I'll help you make sense of it all.
https://myoc.io/iLYib6O4707/g8xhw



NMLS # 49302

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

Address

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

Telephone

+19177576633

Website

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