Anne Horvath - NMLS #21445

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Anne Horvath - NMLS #21445 Anne Horvath, NMLS 21445
Producing Branch Manager at Rate (operating as Guaranteed Rate, Inc. in New York state) NMLS 2611.

"I love working with clients on the purchase of their new home and try to make their experience as stress free and uncomplicated as I can throughout the process. This allows them to focus on the details involved in the real estate transaction and know that things will go as planned. In refinance transactions, it is really the same approach, to be as upfront and specific from the start of the transaction so things progress as the client expects them to and feels comfortable with the process all the way to the closing." About Anne Horvath

Anne Horvath has over a dozen years of experience in the mortgage industry. After working at a variety of different lending institutions, in positions such as Vice President and Branch Manager. Anne has also worked training loan officers, as well as structuring loans for the sales force and working with operations and sales to facilitate production form origination to post-closing. Anne studied at the University of Massachusetts in Lowell, MA, with a major in Criminal Justice and a minor in Psychology. In her spare time, Anne enjoys skiing, biking, and reading.

Home prices were up in more than three-quarters of the nation’s metro markets in the third quarter of 2026, with the ave...
10/30/2026

Home prices were up in more than three-quarters of the nation’s metro markets in the third quarter of 2026, with the average home price sitting at $432,900. The Northeast region (4%) led the nation in price appreciation, followed by the Midwest (3.6%). 21% of markets saw home prices decline in Q3, showing there's still plenty of opportunities out there for buyers.

Need help navigating this evolving housing market? Let’s talk.
https://myoc.io/f2VGft5fz0O/PsZhi



NMLS # 21445

With the economy remaining strong and inflation lingering, the Fed opted to hold interest rates during their latest meet...
10/29/2026

With the economy remaining strong and inflation lingering, the Fed opted to hold interest rates during their latest meeting. Mortgage rates are expected to stay about where they are in response. When rates hold steady, it takes some pressure off your home financing decisions. Instead of trying to anticipate what could happen next, focus on your timing, budget and other factors within your control.

If you’re in the market for a new home, let’s plan your next move.
https://myoc.io/f2VGft5fz0O/y50X5



NMLS # 21445

10/28/2026

The new car payment followed you home … and now it won't leave. New debt can creep into your homebuying process, impacting your mortgage approval by changing your debt-to-income ratio.

Before financing a large purchase, let’s talk about how it may affect your plan. After all, some things are better left lurking in the shadows.
https://myoc.io/f2VGft5fz0O/JJpIE



NMLS # 21445

10/27/2026

Don’t blame ghosts for every creak, thud and clunk. There’s (probably) a perfectly normal explanation for the sounds your home makes. The real trick is keeping up with seasonal maintenance to prevent small issues from spiraling into bigger ones.

Review our home maintenance guide to get your home ready for spooky season.
https://myoc.io/f2VGft5fz0O/QQE8Q



NMLS # 21445

10/26/2026

Running more than one business, or managing income that doesn't move in a straight line? Standard income documentation isn't always built for that. For eligible business owners, a current 12-month profit and loss statement may offer a documentation path built for that kind of complexity.

If that sounds like your business, let's have a conversation.
https://myoc.io/f2VGft5fz0O



NMLS # 21445

10/22/2026

Planning to buy a home in 2027? Time to start the prep now. From building your savings to cleaning up your credit, a few smart moves today can help you get ready for what’s ahead.

Let’s talk about your specific options to create a custom financing plan for you.
https://myoc.io/f2VGft5fz0O/Kl4ye



NMLS # 21445

10/21/2026

Sometimes the small signs around your home point to a bigger question. Does your space still work for you? Whether you’re thinking about more space, a different setup or what comes next, I can help you explore financing options. If updating your home is part of the plan, a Rate Home Equity Line of Credit (HELOC) can help fund improvement projects. Or if life is leading you elsewhere, I could help you explore homebuying options.

Let’s plan for your next chapter together.
https://myoc.io/f2VGft5fz0O/ZHSNg



NMLS # 21445

Pending home sales fell 7.3% in September, with signed contracts down in every region of the country. With less competit...
10/20/2026

Pending home sales fell 7.3% in September, with signed contracts down in every region of the country. With less competition, buyers who are ready may have more room to negotiate. Thinking about making a move while others wait?
https://myoc.io/f2VGft5fz0O/Dozr4



NMLS # 21445

10/15/2026

How’d you do on this edition of the mortgage pop quiz? The best way to begin your homebuying journey is knowing your budget. A pre-approval serves as a helpful starting point so you can focus on homes you can afford, save time and prevent the decision fatigue that comes with endless options.

I’m here to help you take the guesswork out of the big purchase.
https://myoc.io/f2VGft5fz0O/CdwhQ



NMLS # 21445

10/14/2026

Don’t go into your mortgage blind. A loan estimate gives you a preview of what your financing will look like, including the loan terms, interest rate and estimated payment. If mortgage lingo sounds like another language, I’m here to help.

Expand your homebuying vocabulary with our helpful guide or reach out to ask specific questions.
https://myoc.io/f2VGft5fz0O/aTazb



NMLS # 21445

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Providence, RI

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