Andy has been in the real estate and mortgage industries for nearly 20 years as a realtor and loan officer. Knowing the home buying process from both sides gives him a unique perspective on helping clients get their perfect mortgage. Andy inspires confidence with professionalism and integrity, taking the time to listen to each client and priding himself on total transparency. With expert attention to detail, his team provides a smooth process from application to closing, and Andy makes himself constantly available to answer questions or give clients a boost if they need it. When he’s not working with clients, he’s active as a basketball coach with the St. Charles Boys and Girls Club, and is also a baseball coach for a local organization. Most of Andy’s free time, however, centers on what’s most important to him—his amazing wife and four wonderful kids.

VP of Mortgage Lending

Andy House is your Cottleville local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Andy is committed to helping homeowners with home purchase loans and refinances. Contact Andy at (314) 824-1507 for more information!

Andy House at Guaranteed Rate Affinity (NMLS #307941)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Bill Clince is your Cottleville  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Bill is committed to helping homeowners with home purchase loans and refinances. Contact Bill at (636) 333-5327 for more information!

Bill Clince at Guaranteed Rate Affinity (NMLS #246708)

Regional Manager

Korey Apple is your Cottleville  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Korey is committed to helping homeowners with home purchase loans and refinances. Contact Korey at (636) 224-3532 for more information!

Korey Apple at Guaranteed Rate Affinity (NMLS #856891)

Jason Disko is your Cottleville  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jason is committed to helping homeowners with home purchase loans and refinances. Contact Jason at (636) 627-9409 for more information!

Jason Disko at Guaranteed Rate Affinity (NMLS #2073372)

Originating Manager

Andy Ward is your Cottleville  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Andy is committed to helping homeowners with home purchase loans and refinances. Contact Andy at (314) 398-7595 for more information!

Andy Ward at Guaranteed Rate Affinity (NMLS #603976)

With over 13 years of experience in the lending industry, Samantha Bizzle is dedicated to helping individuals and families navigate the home financing process. Whether you are a first-time homebuyer, refinancing, or looking for a personalized loan solution, Samantha provides the expert advice and a tailored approach to meet your unique needs. Committed to transparency, reliability, and exceptional customer service, Samantha will ensure that every client feels confident and informed throughout their journey to homeownership!

Sam Bizzle is your Cottleville  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Sam is committed to helping homeowners with home purchase loans and refinances. Contact Sam at (636) 489-0412 for more information!

Sam Bizzle at Guaranteed Rate Affinity (NMLS #640153)

Cottleville

<footer class="footer-container">
          <div class="divider"></div>
          <div class="social-container">
            <a href="/">
              <img
                src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blte2241c03634be37c/646befbd46d4d8ed366be4c2/GRA_Logo.svg"
                alt="Logo for Guaranteed Rate Affinity, a Guaranteed Rate Company"
                width="167"
                height="55"
              />
            </a>
            <div class="social-links">
<a href="https://www.youtube.com/channel/UCA8EFopvnDAtQuGMnD8R5AA"><i data-testid="font-icon" class="rc-font-icon font-icons-social-youtube " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
<a href="https://www.linkedin.com/company/guaranteedrateaffinity"><i data-testid="font-icon" class="rc-font-icon font-icons-social-linkedin " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
<a href="https://www.facebook.com/GuaranteedRateAffinity"><i data-testid="font-icon" class="rc-font-icon font-icons-social-facebook " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
<a href="https://www.zillow.com/lender-profile/GuaranteedRateAffinity/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-zillow " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
</div>
          </div>
          <div class="links-container">
            <div class="column">
              <a href="https://www.grarate.com/termsofuse" data-ya-track="link#">Terms of Use</a>
              <a href="https://www.grarate.com/privacy" data-ya-track="link#">Privacy Policies</a>
              <a href="https://www.grarate.com/accessibility" data-ya-track="link#">Accessibility</a>
              <a href="https://www.grarate.com/sms-terms" data-ya-track="link#">SMS Terms</a>
              <a href="https://www.grarate.com/licensing" data-ya-track="link#">Licensing Info</a>
            </div>
            <div class="column">
              <a href="https://www.grarate.com/about-us/" data-ya-track="link#">About Us</a>
              <a href="https://careers.grarate.com/" data-ya-track="link#">Careers</a>
              <a href="https://www.grarate.com/contact-us" data-ya-track="link#">Contact Us</a>
              <a href="https://www.grarate.com/articles" data-ya-track="link#">Knowledge Center</a>
              <a href="https://www.grarate.com/legal" data-ya-track="link#">Legal</a>
            </div>
            <div class="column">
              <a href="https://www.grarate.com/disclaimer" data-ya-track="link#">Disclaimer</a>
              <a href="https://www.anywhereinsurance.re/" data-ya-track="link#">Anywhere Insurance Agency</a>
              <a href="https://www.anywhereis.re/" data-ya-track="link#">Anywhere Integrated Services</a>
              <a href="https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1598647" data-ya-track="link#">NMLS Consumer Access</a>
              <a href="https://www.grarate.com/texas-consumers-how-to-file-complaint" data-ya-track="link#">Texas Consumers: How to File a Complaint</a>
              <a href="https://www.grarate.com/notice-to-vendor" data-ya-track="link#">Notice to Vendors</a>
              <a class="privacy-link" target="_blank" href="https://privacyportal-cdn.onetrust.com/dsarwebform/168096e5-faa8-4fdd-a479-992231adbdc1/70bd9394-cadd-46fa-8eaf-11c1f5523029.html" rel="noopener noreferrer" data-ya-track="link#">Do Not Sell My Personal Information</a>
            </div>
          </div>
          <div class="copyright-container">
            <img
              src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blt2c78064cb4e93643/647a74c86be35f2593bd207d/equalHousingLender.svg"
              alt="Equal Housing Lender"
              width="136"
              height="29"
            />
            <p>Copyright © 2017-2025 Guaranteed Rate Affinity, LLC. All rights reserved Guaranteed Rate Affinity</p>
            <p>NMLS: 1598647 - For licensing information, go to: <a href="https://www.nmlsconsumeraccess.org">www.nmlsconsumeraccess.org</a><br />Arizona Mortgage Banker License #0941440</p>
            <p>1800 W. Larchmont Ave., Chicago, IL 60613 - <a href="tel:+18888449888">(888) 844-9888</a><br />Operating in the state of New York as GR Affinity, LLC in lieu of the legal name Guaranteed Rate Affinity, LLC.</p>
            <p>Guaranteed Rate Affinity, LLC. is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason prohibited by law.</p>
          </div>
        </footer>

6 Loan Officers Cottleville, MO