About Liz Ciardi
Liz Ciardi is the Vice President of Lending at GRA Affinity and a highly respected mortgage professional with more than 35 years of industry experience. With deep expertise in both loan origination and underwriting, Liz provides clients with exceptional guidance, clarity, and confidence throughout the homebuying process. Her ability to anticipate challenges and create solutions has made her a trusted advisor to borrowers, real estate professionals, and colleagues alike. Over the course of her distinguished career, Liz has earned numerous accolades, including being ranked in the Top 1% of Loan Officers for multiple years and receiving the Top Female Loan Officer award several times. She is also a proud recipient of the Piedmont Regional Association's Affiliate of the Year Award, recognizing her leadership, professionalism, and dedication to her industry and community. Liz's commitment to service extends far beyond her professional accomplishments. She has a long history of community involvement, including serving on the Board of Directors for Carolina Crown Drum and Bugle Corps, one of the world's premier drum corps organizations. Dedicated to supporting and inspiring youth, she also served as a Board Member for the Children's Attention Home, a nonprofit that provides housing, care, and hope for children in York County, South Carolina who have experienced abuse, neglect, or trauma. As an 18-year breast cancer survivor, Liz is especially passionate about causes related to breast cancer awareness and support. She actively advocates for survivors and organizations that help individuals and families navigating the disease. Outside of her professional and advocacy work, Liz loves to travel, explore new places, and create lasting memories—but nothing brings her more joy than spending time with her beloved granddaughters. Known for her top-tier service, extensive knowledge, and remarkable ability to navigate even the most complex lending scenarios, Liz Ciardi has built a legacy as a dedicated professional and a true champion for the clients and communities she serves.
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.
Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate Affinity cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate Affinity for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Guaranteed Rate Affinity does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity. Guaranteed Rate Affinity its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 7903 Providence Road, Suite 160 Charlotte NC, 28277
