Matthew Kiss - VP of Mortgage Lending NMLS 22785

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Paramus, NJ
Matthew Kiss - VP of Mortgage Lending NMLS 22785

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I am a VP of Mortgage Lending NMLS 22785 at Guaranteed Rate Affinity NMLS 1598647 (operating as GR Affinity, LLC in New York state).

11/02/2026

10/30/2026

Happy Friday! Have home finance questions or need a preapproval this weekend? I'm here for you-all weekend long! Whether you're house hunting, curious about your options, or ready to get preapproved, I'm just a call or message away. Let's make your homeownership journey smooth and stress-free! 🏡

http://GRARate.com/MatthewKiss

10/28/2026

A home that needs a little work could open up more possibilities in your home search-and give you the chance to make it your own.

The key is understanding what you're taking on. From inspections and renovation costs to financing the improvements, we can help you explore your options and find a path that fits your plans.

Let's talk about what's possible for your next home.

https://www.grarate.com/article/buying-a-fixer-upper?LOID=1510

10/27/2026

Big news for property investors! Ready to scale your portfolio without draining your cash reserves?

Explore financing options that could help you keep more cash on hand for your next opportunity:

* Up to 90% LTV on 1-unit investment properties
* Up to 85% LTV on 2-4 unit investment properties
* No mortgage insurance required

Let's talk about how you could use these options to expand your portfolio.

Subject to program availability, borrower eligibility, and underwriting approval. Terms and restrictions apply.

http://GRARate.com/MatthewKiss

10/23/2026

🌟 Working hard for you! 🌟

I'll be working all weekend to make sure your loans close as quickly and smoothly as possible. If you need anything-questions, updates, or support-I'm just a call, text, or email away. Your peace of mind is my priority!

Let's get you to the finish line! 🏡✨

http://GRARate.com/MatthewKiss

10/21/2026

Don't fear mortgage rates. Buyers want lower monthly payments. Sellers want their home to stand out. RateReduce could help both. 🏡

A seller- or builder-funded mortgage buydown can help reduce a buyer's payments-giving sellers another way to attract offers without reducing their asking price.

Here's how each option works:

🔹 RateReduce Temp - Savings during the early years The seller or builder funds a temporary payment subsidy at closing, reducing what the buyer pays during the initial years of the loan. Options include 3-2-1, 2-1, 1-1-1, 1-0, and 1.5-0.5 buydowns, each with a different subsidy schedule. When the subsidy ends, the buyer makes the full scheduled payment. The mortgage's note rate does not change.

🔹 RateReduce Perm - A lower rate for the loan term Funds paid at closing purchase discount points to lower the mortgage's interest rate for the life of the loan. Unlike a temporary buydown, this option reduces the actual note rate rather than temporarily subsidizing payments.

🔹 RateReduce Sell - A head start on marketing The seller commits to funding a buydown, pays an upfront fee, and secures a rate lock before finding a buyer. Under the program described, the 60-day lock provides 30 days to find a buyer and another 30 days for the buyer to close. The lock transfers to an eligible buyer, subject to program terms.

Buying or selling? Let's talk about which option may fit your goals.

Subject to program availability, borrower qualification, seller-contribution limits, and loan requirements. Savings and costs vary. Temporary buydowns do not change the note rate, and payments increase as the subsidy decreases or ends. Rate-lock terms and fees apply.

http://GRARate.com/MatthewKiss

10/16/2026

Happy Friday! My team and I are available seven days a week to handle all your mortgage needs! Whether you have questions, need a preapproval, want a second opinion, or have concerns about your current loan in process, I'm here to help. Contact me anytime by phone, text, or email!

http://GRARate.com/MatthewKiss

10/15/2026

Reminder-Join us for an informative session with EVP of Operations, Traci Anastasia on the upcoming changes to the appraisal form and how it will affect you and your buyers. Don't miss this opportunity to gain expert knowledge!

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Address

16 Arcadian Avenue 3rd, Floor Unit C-6
Paramus, NJ
07652

Telephone

+19084511454

Website

http://www.grarate.com/MatthewKiss

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