Guaranteed Rate Affinity

They teamed up. They showed up. They closed. 🏡 We’re so thankful for the incredible partners who make every closing possible. Your hard work and dedication help so many buyers make their homeownership dreams come true. Grateful to work alongside pros like you! 👏 #ClosedandCelebrated #BetterTogether #MakingMortgagesEasy #GRAtitude2025 Joel Wall Patrick O'Connor Denise Garono Lancelotta Brant Millham Tim Martin Timothy Piedmont Michelle Skott Morgan Tyler Anderson Dean Schiffler Steve Schmitz

Reflecting on our year one word that continues to come to mind is gratitude. We are thankful to our employees that keep our company culture alive. We hope you enjoyed your holidays with friends and family and maybe got some much needed rest.

With fresh data finally coming in and a possible rate cut on the horizon, your path to homeownership could become clearer. Now’s the time to chat about where you stand. Reach out today!

Join a team that serves up transparency and a culture full of drive and energy. At Guaranteed Rate Affinity, we move fast, celebrate wins and have a proven playbook to double your business in your first year – so pull up a seat where support is plentiful and opportunities are always on the table. http://ms.spr.ly/6046tnMu0

Congratulations Joel Wall and welcome to the President's Club at Guaranteed Rate Affinity!

As Thanksgiving approaches, I’ve been reflecting on how much gratitude has shaped my career and my life. Gratitude isn’t just a feeling — it’s a powerful mindset. Research shows that people who regularly practice thankfulness: • experience lower stress and burnout • report higher job satisfaction • build stronger relationships • are more resilient during challenges • are even healthier overall In my own career, I’ve learned this to be true. The moments of growth, the hard lessons, the incredible people I’ve crossed paths with — all of it has shaped who I am today. And the older I get, the more I realize that success isn’t just measured in titles or wins… it’s measured in relationships, impact, and the ability to appreciate the journey. I’m profoundly thankful for: • mentors who challenged me • colleagues who believed in me • teams who trusted me • lessons that stretched me • and the life I get to build outside of work, too If you’re reading this, I hope you pause for a moment this week and reflect on what you’re grateful for — big or small. Gratitude has a way of changing everything. Wishing you and your loved ones a very happy, healthy Thanksgiving. 🦃🍂 Guaranteed Rate Affinity #GRAtitude2025

With higher 2026 conforming loan limits ($832,750* and $1,249,125 in Alaska and Hawaii), you may have more buying power to get into the home you’ve been dreaming of. Let’s connect to explore new possibilities.

Congratulations Alfonso Esposito on your incredible achievement earning a spot in the Chairman’s Circle!

 Meet the Team: Anthony Cristaudo, CRP Today we’re excited to spotlight Anthony Cristaudo, whose passion for people and seamless mobility has shaped a standout career in relocation. Anthony’s journey into relocation started with a simple belief: moving isn’t just logistics it's a major life transition. He’s driven by helping people feel supported, empowered, and at ease during these pivotal moments. Anthony is a natural connector. Whether he’s bringing clients, partners, or colleagues together, he thrives on uncovering shared goals that spark creative solutions. A mentor once reminded him that success isn’t just measured in numbers it's built on trust and genuine relationships. That insight reshaped his approach and continues to guide his work today. Anthony still laces up for an old men’s soccer league, keeping his competitive streak alive. When he’s not on the field, he’s training for endurance events and has completed 10 Ironman races across the country. (Yes, ten!) A bold black coffee to kickstart the day, and a glass of red wine to unwind in the evening. Outside of work, Anthony loves spending time with his wife, kids, and their three dogs. Whether it’s a family outing or simply relaxing at home, those are the moments he values most. Please join us in celebrating Anthony and the passion, drive, and care he brings to our team every day!