Guaranteed Rate Affinity

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Michelle Gemmell

Associate VP of Mortgage Lending

We can make it happen!

Down payment assistance

Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.

Low down payment loans

As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.

Veteran loans

Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.

Bank Statement loans

Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.

Jumbo loans

You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.

Lock in your rate

Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.

Accelerated timelines

Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.

Physician loans

Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.

Foreign National loans

Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.

Featured mortgage options

30-year fixed rate mortgage

A conventional 30-year fixed rate mortgage features a steady interest rate throughout its lifetime. Spanning three decades, homeowners with this mortgage can look forward to consistent monthly payments for many years to come, which can provide peace of mind and help them budget their finances. A conforming 30-year fixed rate loan offers amounts up to $726,200 in most of the US and a maximum of $1,396,800 in high-cost areas.

15-year fixed rate mortgage

A conventional 15-year fixed rate mortgage is similar to a 30-year fixed rate mortgage in many respects. A conforming 15-year fixed rate loan features a limit of $726,200 ($1,396,800 in high-cost areas) and a consistent rate throughout its lifetime, giving you secure and predictable monthly mortgage payments.

Adjustable rate mortgage

An adjustable rate mortgage (ARM) is a home loan with an interest rate that changes after a fixed amount of time—usually 5-7 years. Adjustable rate mortgages typically offer lower interest rates and lower monthly payments than a fixed rate mortgage. After the allotted time passes, the rate may adjust and your monthly mortgage payments will adjust accordingly.

Jumbo loan

A non-conforming jumbo mortgage can help you purchase a lot of real estate. This mortgage is needed for loan amounts over the conforming loan limit of $726,200 and $1,396,800 in high-cost areas. If you need to take out a loan over the conforming limit, a fixed or adjustable rate jumbo mortgage could be your ticket to a big and beautiful home.

FHA loan

FHA home loans are mortgages insured by the federal government through the Federal Housing Administration (FHA), a branch of the Department of Housing and Urban Development. FHA home loans reduce the barrier to entry for homebuyers and refinancers by featuring low down payments, flexible credit requirements and more purchase power. If funds are limited, an FHA home loan can help you finance more than 80% of your home value.

VA home loan

The US Government's VA loans program helps veterans, active-duty service members and their families qualify for a home loan. Though they are issued by private lenders like Guaranteed Rate, VA home loans are backed by the US Department of Veterans Affairs. Created during World War II to help returning service men and women purchase homes, this program has guaranteed over 22 million VA loans since 1944.

Helpful tools and references

Mortgage calculators

First time homebuyers guide

Mortgage Lender, Jacksonville, FL