The Cathy Haddad Team at Guaranteed Rate NMLS# 51156

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The Cathy Haddad Team at Guaranteed Rate NMLS# 51156 #1 Mortgage Banker at Guaranteed Rate for past 10 years •Top 1% in the country• Top Agent Magazine Everyone has a different goal and a different situation.

With over 20 years of experience in the mortgage industry, Cathy has ranked in the top 100 Loan Originators, which is the Top 1% in the country for the past 10 years in a row. Cathy has funded over $250 million in closed volume year after year with helping more than 590 clients each year. Cathy is known for getting loans approved that other banks couldn’t get done. Whether you are a first-time home buyer looking to invest, trade up, or decided to downsize, Cathy will be there to help you through the whole process. Guaranteed Rate offers almost every loan product out there which allows Cathy and her team to help you with your specific mortgage needs! As a Community Mortgage Banker, my goal is to provide the highest level of customer service so that your experience is stress-free, memorable, exciting, and rewarding. I will help you evaluate your situation to find the most applicable mortgage option that fits your short and long-term goals. It is important that we communicate effectively and for you to provide input so that we use the loan product that is right for you. Our customized approach to mortgage lending ensures that the right loan product will be recommended to my client! When you work with me, you also work with my trusted assistants Beth & James. They help make the Cathy-H Team as successful as it is through their knowledge of the mortgage industry and being able to problem solve any situation that may arise. They are intelligent, patient, and always willing to help. We know how frightening this process can be and are more than happy to walk you through it from beginning to end. With our team culture, we will always be able to answer your questions and respond promptly. Working as a team allows us to be there for you when you need us. Being a Mother to two beautiful girls and working full time, I can understand how valuable your time is and will work with you. As a team, we will guide you from your “pre-approval”… to your first offer… to your closing. Our goal is to create an experience that you will enjoy & as stress-free as possible! We want you to turn to the Cathy-H Team at Guaranteed Rate as your lender now and in the future. As always, we value the input of our clients and referral partners. We welcome any feedback that will help you and your future clients. A mortgage company who grows for good. We believe you’re amazing and can do anything you want in the world. Believe you can and you will. For licensing information, go to www.nmlsconsumeraccess.org | www.rate.com/licensing

NJ: Licensed by the N.J. Department of Banking and Insurance NY: Licensed Mortgage Banker - NYS Department of Financial Services • PA: Licensed by the Pennsylvania Department of Banking and Securities

Registered Mortgage Banker - NYS Department of Financial Services

Buying a home for the first time can be kind of scary if you're not sure you can afford it. Calm your clients' fears by ...
10/26/2026

Buying a home for the first time can be kind of scary if you're not sure you can afford it. Calm your clients' fears by sharing our many loan products and programs designed to make homebuying more affordable for all.

https://www.rate.com/affordability?LOID=30104

Buying a home for the first time can be kind of scary if you're not sure you can afford it. Calm your clients' fears by ...
10/26/2026

Buying a home for the first time can be kind of scary if you're not sure you can afford it. Calm your clients' fears by sharing our many loan products and programs designed to make homebuying more affordable for all.

https://www.rate.com/affordability?LOID=30104

Fall is the perfect time to refresh your home - and lay the groundwork to harvest your investment in the future. Dreamin...
10/14/2026

Fall is the perfect time to refresh your home - and lay the groundwork to harvest your investment in the future. Dreaming of an outdoor chef's kitchen? Want to bump-out your bath? With a Home Equity Line of Credit, you can unlock your equity for projects that make everyday living better inside and out. With flexible access to funds now, you can enjoy the payoff for years. Learn more and explore all your options.

https://www.rate.com/.../energy-efficient-renovations...

Fall is the perfect time to refresh your home - and lay the groundwork to harvest your investment in the future. Dreamin...
10/14/2026

Fall is the perfect time to refresh your home - and lay the groundwork to harvest your investment in the future. Dreaming of an outdoor chef's kitchen? Want to bump-out your bath? With a Home Equity Line of Credit, you can unlock your equity for projects that make everyday living better inside and out. With flexible access to funds now, you can enjoy the payoff for years. Learn more and explore all your options.

https://www.rate.com/mortgage/resource/energy-efficient-renovations-heloc?LOID=30104

Not everyone has a W-2. Your clients need mortgage options that work for their financial reality. Discover Rate Portfoli...
10/07/2026

Not everyone has a W-2. Your clients need mortgage options that work for their financial reality. Discover Rate Portfolio - our suite of Non-QM loans for self-employed individuals, investors and borrower who have assets or non-traditional income streams. Offer the loan options that fit their unique income - and grow your business.

http://rate.com/lp/rate-portfolio?LOID=30104

Not everyone has a W-2. Your clients need mortgage options that work for their financial reality. Discover Rate Portfoli...
10/07/2026

Not everyone has a W-2. Your clients need mortgage options that work for their financial reality. Discover Rate Portfolio - our suite of Non-QM loans for self-employed individuals, investors and borrower who have assets or non-traditional income streams. Offer the loan options that fit their unique income - and grow your business.

http://rate.com/lp/rate-portfolio?LOID=30104

In a market where payment anxiety is real, RateReduce Temp gives you a tool that changes the conversation. A 1-0 tempora...
09/28/2026

In a market where payment anxiety is real, RateReduce Temp gives you a tool that changes the conversation. A 1-0 temporary buydown lowers your buyer's rate by 1% in year one, reducing their monthly payment and making it easier for buyers to commit. Let's talk about how to put it to work.
https://www.rate.com/mortgage/resource/ratereduce?LOID=30104 See less

In a market where payment anxiety is real, RateReduce Temp gives you a tool that changes the conversation. A 1-0 tempora...
09/28/2026

In a market where payment anxiety is real, RateReduce Temp gives you a tool that changes the conversation. A 1-0 temporary buydown lowers your buyer's rate by 1% in year one, reducing their monthly payment and making it easier for buyers to commit. Let's talk about how to put it to work.

https://www.rate.com/mortgage/resource/ratereduce?LOID=30104

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Parsippany, NJ
07054

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