Joseph Kloss at Guaranteed Rate Affinity NMLS #352569

Joseph Kloss at Guaranteed Rate Affinity NMLS #352569 I am a Vice President, Mortgage Lending at Guaranteed Rate Affinity. NMLS # 352569. Guaranteed Rate Affinity NMLS # 1598647. (866) 934-7283 • grarate.com.

Corporate Descriptor: CA: Licensed by the Department of Financial Protection and innovation under the California Residentail Mortgage Lending Act Guaranteed Rate Affinity NMLS 1598647. 1800 Larchmont Ave., Chicago, IL. 60613. Equal Housing Lender For Licensing information go to www.nmlsconsumeraccess.org. Www.GRA rate.com/licensing

05/18/2026

Underwriting is often misunderstood because it happens behind the scenes. In reality, it’s just a review of your financial details and the home before final approval. Once you know that, the process feels far more certain. I’m here to help you make sense of it at every step.

http://ms.spr.ly/6186vTPnK

05/14/2026

The best homes don’t just look good, they fit how you want to live. When your space aligns with your day-to-day, everything else starts to fall into place. I’ll help you turn that into a plan you can move forward with.

Explore your options: http://ms.spr.ly/6181vRHDV

05/13/2026

If your wealth is in crypto, qualifying for a mortgage hasn’t always been straightforward. That’s changing. With RateFi, your crypto may help support qualification without requiring you to sell, giving you more asset freedom as you move toward homeownership.

Let’s connect and walk through your options: http://ms.spr.ly/6186vud7i

Looking to make the jump to homeownership? The stars just might be aligned for you … conditions are favoriting buyers an...
05/11/2026

Looking to make the jump to homeownership? The stars just might be aligned for you … conditions are favoriting buyers and rates are down from last year. Now that you have an edge in the market, I’m here to help you get the most out of your home purchase.

Learn more: http://ms.spr.ly/6189vPkC9

05/07/2026

Spring real estate moves quickly and prepared buyers have the ultimate advantage. I’ll help you lock in your financing with a one-day loan approval with Same Day Mortgage*, so when the right home appears, you could move fast, too.

Reach out today: http://ms.spr.ly/6181vMfjB

05/06/2026

Refinancing doesn’t have to be complicated. With a VA Interest Rate Reduction Refinance Loan (IRRRL), qualified service members and Veterans may be able to reduce their monthly payments without the hassle.

Learn more: http://ms.spr.ly/6184vM3N4

The latest Q1 housing data points to opportunity on both sides of the move. Home prices increased in 71% of metro market...
05/05/2026

The latest Q1 housing data points to opportunity on both sides of the move. Home prices increased in 71% of metro markets, which could help sellers benefit from built-up equity, while lower typical monthly mortgage payments may give buyers more breathing room than they had last quarter or last year.

Learn more: http://ms.spr.ly/6185vzxHv

05/04/2026

When you’re thinking about buying a home, this step helps you understand its real value and what lenders need to approve your loan.

I’ll walk you through what the number means and how to use it as you move forward: http://ms.spr.ly/6188vKQ3y

05/01/2026

Behind every service story is a family that serves too. This Military Appreciation Month, it’s worth understanding the benefits available to you. VA loans could help eligible buyers take a step toward homeownership with $0 down payment options and a more accessible path forward.

If you and your family are thinking about what’s next, I’m here to help you explore your options:
http://ms.spr.ly/6188vJKuk

No change from the Fed today, and that kind of stability can work in your favor. When rates hold, it’s a chance to plan ...
04/29/2026

No change from the Fed today, and that kind of stability can work in your favor. When rates hold, it’s a chance to plan your next move with more clarity and confidence.

Let’s talk through what this means for you: http://ms.spr.ly/6187vyHgh

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388 S Lake Avenue
Pasadena, CA
91101

Telephone

+16263214224

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