Helping first-time homebuyers, buyers using FHA, VA, and USDA financing, as well as investors, self-employed borrowers, reverse mortgage clients, and homeowners looking to refinance. I proudly serve the greater Pittsburgh area, including Butler, Allegheny, Beaver, and Westmoreland counties, as well as Downtown Pittsburgh, Shadyside, Squirrel Hill, Cranberry Township, and the North Hills, helping clients buy homes with confidence and without the stress.


Hi, I'm Amber Householder, a mortgage loan officer for 28 years based in Cranberry Township, Pennsylvania helping clients navigate the home financing process with clarity and confidence.


I specialize in FHA, VA, conventional, jumbo, non-QM, renovation, and reverse mortgages across Pennsylvania and Florida, offering tailored loan solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Assistance with fast closings, complex deals, unique income situations, and lower credit profiles


I'll walk you through your options and help you choose the right strategy, not just the easiest one.


What sets me apart:  
- Work with clients from start to finish through the entire loan process, while keeping agents updated every step of the way  
- Clients appreciate my knowledge of mortgages and transactions, helping answer questions and keep them informed  
- Fast responses and flexible availability, including weekends and evenings, with both electronic and face-to-face service through Guaranteed Rate Affinity


Do you need 20% down to buy a home?  
No, many buyers qualify with as little as 3–5% down depending on the loan program.


What credit score do you need?  
It varies, but there are options available even if your credit isn't perfect.


How much home can you afford?  
That depends on your income, debt, and goals. I'll help you break it down clearly.


I've helped over 3,360 clients in across Pennsylvania and Florida secure financing for their homes. Earning a spot in the President's Club. I'm proud to be a trusted resource for both buyers and real estate agents.


Check out my client reviews to see what it's like to work together.


When I'm not helping clients, I'm enjoying life in the city I've called home all my life, Pittsburgh. I'm proud to support the Greater Pittsburgh Community Food Bank, and you can often find me at sporting events around the city cheering on Pittsburgh football, baseball, and hockey teams.


I believe this business is about relationships, and being someone, people can rely on long after closing.


If you're thinking about buying, refinancing, or just want to explore your options, let's connect.

Originating Manager

Amber Housholder is your Cranberry Township local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Amber is committed to helping homeowners with home purchase loans and refinances. Contact Amber at (724) 316-6757 for more information!

Amber Housholder at Guaranteed Rate Affinity (NMLS #125836)

Clients looking for a smart mortgage consultant and a company that really cares go to CL Livingston and Guaranteed Rate Affinity for all their home financing needs. They can count on him to listen and understand their vision, and stay committed to doing what’s in their best interest. CL knows that every client has different financial goals, so he takes the time to understand their vision in order to recommend smart mortgage solutions. As a consultant, he is backed by a dedicated team of loan assistants, processors, underwriters and closing specialists. He and his team consistently deliver smart choices because they’re highly trained and well versed in all aspects of the industry. To find a smart home-financing solution, give CL a call today!

VP of Mortgage Lending

C.L. Livingston, MBA is your Pittsburgh local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, C.L. is committed to helping homeowners with home purchase loans and refinances. Contact C.L. at (412) 404-9866 for more information!

C.L. Livingston, MBA at Guaranteed Rate Affinity (NMLS #137073)

Clients who are looking for a smart mortgage consultant and a company that cares go to Chris Rudolph and Guaranteed Rate Affinity for all their home financing needs. With 14 years of mortgage experience and recognition in the 2024 and 2025 Presidents Club, Chris Rudolph delivers smart, solution‑focused financing for today's homebuyers. His background across brokers, banks, and mortgage lenders gives him a deep, well‑rounded understanding of the lending landscape.  
A longtime Pittsburgh resident, Chris brings strong local insight and a clear understanding of the region's market. He takes pride in helping buyers understand the mortgage process, listening to their goals, and presenting clear, tailored financing options. Supported by a skilled team of processors, underwriters, and closing specialists, Chris ensures a smooth, informed, and confident path to homeownership


Outside of work, Chris enjoys golfing, fishing, biking, attending concerts, and sporting events. And as a big Hoosier fan and proud alumni, Chris went to the University of Indiana.

Chris Rudolph is your Pittsburgh local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Chris is committed to helping homeowners with home purchase loans and refinances. Contact Chris at (215) 278-8226 for more information!

Chris Rudolph at Guaranteed Rate Affinity (NMLS #912329)

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.

Natalie Frazier is your Pittsburgh  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Natalie is committed to helping homeowners with home purchase loans and refinances. Contact Natalie at (412) 918-8038 for more information!

Natalie Frazier at Guaranteed Rate Affinity (NMLS #134243)

Guaranteed Rate Affinity

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