Anne Horvath - NMLS #21445

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 trans

action 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.

08/27/2026

You've spent years building equity in your home. The question a lot of homeowners ask next is what they can actually do with it. A HELOC is one option that may let eligible homeowners access a portion of that equity, up to an approved limit, for things like home improvements or other financial goals.

If you're wondering how your equity fits your bigger picture, let's talk it through.
https://myoc.io/f2VGft5fz0O/csP7z



NMLS # 21445

08/25/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why. Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.
https://myoc.io/f2VGft5fz0O/e1rOD



NMLS # 21445

08/24/2026

A home is not just where you live. It is where you gather the people who matter and make the nights worth remembering. When the space is yours, every plan gets a little easier to say yes to.

Let me know in the comments which event would come first on your calendar. And when you're ready to start your homeownership journey, I'd be happy to help you explore your options.
https://myoc.io/f2VGft5fz0O/bX07x



NMLS # 21445

08/20/2026

Return on investment is not the only reason to improve a home. Sometimes a project is worth it simply because it makes the place yours. What is the best or worst project ROI you have seen? Drop it in the comments.

And if you are considering a project of your own, reach out anytime and let’s talk through how it fits your bigger picture.
https://myoc.io/f2VGft5fz0O/gg8SF



NMLS # 21445

08/19/2026

A clearer housing plan starts with understanding your options. Renting may be right for now, but if you want more predictability in your
monthly budget, it may be worth seeing how homeownership compares.
https://myoc.io/f2VGft5fz0O/HY8b7



NMLS # 21445

Pending home sales declined in July across all four regions, with signed contracts down from both last month and last ye...
08/18/2026

Pending home sales declined in July across all four regions, with signed contracts down from both last month and last year. More available homes could give buyers more to compare, while shifting activity means timing, budget and loan strategy matter. With the right options, you can better understand what fits your goals in a changing market.

Let’s review what today’s housing market trends could mean for your homeownership goals.
https://myoc.io/f2VGft5fz0O/HeG4S



NMLS # 21445

08/17/2026

Refinancing isn't a now-or-never decision, it's a when-it-fits one. As your goals shift and life changes, it can be worth a fresh look at whether your current mortgage still matches where you are headed. No pressure and no rush, just a conversation when you are ready.

Save this for when the timing feels right, and reach out anytime you want to talk it through.
https://myoc.io/f2VGft5fz0O/mdAGf



NMLS # 21445

08/13/2026

Preparation is the part of homebuying many people skip, yet it’s the part that pays off the most. The early steps are simpler than you think, and each one makes what follows easier.

Reach out anytime and I’ll help you find your starting line.
https://myoc.io/f2VGft5fz0O/Q3zOn



NMLS # 21445

08/12/2026

Renting can be the right fit for a season. But when your goals start changing, it may be time to understand what ownership could make possible.

I can help you compare the numbers and plan for what comes next.
https://myoc.io/f2VGft5fz0O/rN7aB



NMLS # 21445

Decreasing existing-home sales and a stubborn mortgage rate creates opportunity if you know how to navigate it. With a L...
08/11/2026

Decreasing existing-home sales and a stubborn mortgage rate creates opportunity if you know how to navigate it. With a Loan Officer at your side, a long-term plan could help you take advantage of more inventory and sellers eager to close.
https://myoc.io/f2VGft5fz0O/ntIEJ



NMLS # 21445

Address

Providence, RI

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