Se habla Español! Clients looking for a smart mortgage consultant and a company that really cares go to Patricia Placencia and Guaranteed Rate Affinity for all their home financing needs. They can count on her to listen and understand their vision, and stay committed to doing what’s in their best interest. Patricia knows that every client has different financial goals, so she takes the time to understand their vision in order to recommend smart mortgage solutions. As a consultant, she is backed by a dedicated team of loan assistants, processors, underwriters and closing specialists. She and her 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 Patricia a call today!



Aviso de Exención de Responsabilidad: Todas las negociaciones y los Documentos de Transacciones de Préstamos Hipotecarios se realizarán y serán proporcionado en Inglés.  Le sugerimos que trabaje con un intérprete de su elección. Podrá encontrar más información sobre el proceso de préstamo en español en https://www.consumerfinance.gov/es/herramientas-del-consumidor/hipotecas/

Area Sales Manager

Patricia Cepeda is your Cranston local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Patricia is committed to helping homeowners with home purchase loans and refinances. Contact Patricia at (401) 824-5542 for more information!

Patricia Cepeda at Guaranteed Rate Affinity (NMLS #505240)

For more than 25 years, Michelle B. Davidson has had the privilege of helping individuals and families achieve one of life's greatest milestones—homeownership. As Branch Manager with Guaranteed Rate Affinity, she is passionate about providing exceptional mortgage solutions while delivering an experience rooted in integrity, excellence, and genuine compassion.


Michelle believes every client deserves more than a mortgage—they deserve a trusted advisor who listens, educates, and advocates for their best interests. Throughout her career, she has guided first-time homebuyers, growing families, veterans, investors, and homeowners through the financing process with clarity and confidence. Her commitment to education empowers clients to make informed decisions that support their long-term financial goals and build generational wealth.


In addition to her mortgage career, Michelle serves as a certified life coach, speaker, trainer, and author. She is passionate about helping individuals discover their purpose, strengthen their leadership, and achieve personal and professional growth. Her heart for serving others extends beyond the closing table and into the communities she calls home.


At the center of Michelle's life is her unwavering faith, her family, and her commitment to serving others. As a devoted wife and proud mother, she understands that a home is more than a place to live—it's where families grow, memories are made, and futures are built. This perspective shapes every client relationship and inspires her to serve each family with the same care and dedication she would want for her own.


Whether you're purchasing your first home, refinancing, investing, or planning your next chapter, Michelle is committed to making the mortgage process seamless, empowering, and rewarding. Her mission is simple: to provide expert guidance, exceptional service, and lasting relationships that continue long after the loan closes.

Branch Manager

Michelle Davidson is your Cranston  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Michelle is committed to helping homeowners with home purchase loans and refinances. Contact Michelle at (401) 466-4335 for more information!

Michelle Davidson at Guaranteed Rate Affinity (NMLS #20502)

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.

VP of Mortgage Lending

Evelyn Perez is your Cranston local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Evelyn is committed to helping homeowners with home purchase loans and refinances. Contact Evelyn at (781) 530-3469 for more information!

Evelyn Perez at Guaranteed Rate Affinity (NMLS #828119)

Ambrose Ling originally grew up in Malaysia. When he was just 8 years old, his family decided to move to Georgia for a better life. He attended West Georgia University and Roger Williams University, finally graduating with honors from Johnson and Wales University. He now calls Bristol, Rhode Island home with his wife, Jessica, and beautiful daughter, Savannah. He enjoys spending time with his family and friends, watching baseball and playing golf.


Ambrose has been in the mortgage industry since 2001. He is dedicated to finding the best mortgage solutions for his clients. He is devoted to making their financial dreams become a reality. He's been recognized as Top 1% of Mortgage Loan Originator Nationally and looks forward to build a lifetime relationship with his clients.

Helping Homebuyers, Veterans, Investors, and Self-Employed Borrowers Secure Financing with Confidence


Hi, I'm Ambrose Ling, a mortgage loan officer based in Rhode Island, helping clients navigate the home financing process with clarity, confidence, and personalized guidance.


Since entering the mortgage industry in 2001, I've helped more than 2,000 clients achieve their homeownership and financial goals. I work with a wide range of borrowers, including first-time homebuyers, veterans, investors, self-employed borrowers, and homeowners seeking refinancing options throughout the Northeast and Southeast regions.


I specialize in a variety of loan programs, including FHA, VA, Conventional, Jumbo, and Non-QM loans, and I have extensive experience helping clients with unique financial situations. Whether you're dealing with credit challenges, self-employment income, a complex transaction, or need a fast closing, I'll work closely with you to find the right solution.


Whether you're:  
- Buying your first home  
- Refinancing your current mortgage  
- Investing in real estate  
- Exploring FHA, VA, Conventional, Jumbo, or Non-QM loan options


I'll walk you through your choices and help you make informed decisions based on your goals, not simply recommend the easiest path.


What Sets Me Apart  
- Honest, transparent communication from start to finish  
- Fast, responsive service, including evenings and weekends  
- Step-by-step guidance throughout the entire mortgage process  
- A commitment to educating clients so they feel confident in every decision  
- Over two decades of industry experience helping borrowers navigate even the most complex financing scenarios


My clients consistently tell me they appreciate my honesty, availability, and responsiveness. I believe that great service means being accessible when clients need answers and providing the information necessary to make smart financial decisions.


**Frequently Asked Questions**  
Do you need 20% down to buy a home?   
No. Many buyers qualify with as little as 3% to 5% down depending on the loan program and their individual circumstances.


What credit score do you need?   
Every situation is different, and there are financing options available for borrowers with less-than-perfect credit.


How much home can you afford?   
Your purchasing power depends on factors such as income, debt, assets, and long-term goals. I'll help you understand exactly what works best for your situation.


Throughout my career, I've been honored to receive numerous sales and customer service awards and was recognized as a Top 1% Loan Originator, reflecting my commitment to delivering exceptional results and client experiences.


When I'm not helping clients secure financing, I enjoy spending time with my wife, whom I've been married to since 2001, our daughter, Savannah, and family and friends. Outside of work, I enjoy baseball, football, fishing, and golf.


I believe this business is built on relationships, trust, and being a resource clients can count on long after the transaction is complete.


If you're considering buying a home, refinancing, investing in real estate, or simply exploring your options, I'd love the opportunity to help.

Vice President, Mortgage Lending

Ambrose Ling is your Cranston local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Ambrose is committed to helping homeowners with home purchase loans and refinances. Contact Ambrose at (401) 254-4421 for more information!

Ambrose Ling at Guaranteed Rate Affinity (NMLS #39071)

Helping homebuyers in Rhode Island buy homes with confidence, without the stress.


Hi, I'm Dulce Serpa, a mortgage loan officer based in Cranston, RI, helping clients navigate the home financing process with clarity and confidence since 2002.


I specialize in working with all types of homebuyers, offering tailored loan solutions and a smooth, transparent experience from start to finish.  
Whether you're:


* Buying your first home
* Exploring refinancing options
* Looking into programs like FHA, VA, Conventional, Jumbo, Down Payment Assistance, RI Housing, or Renovation Loans


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


What sets me apart:


* Clear, honest communication—no surprises
* I make the homebuying process easy and fast
* A hands-on, local approach backed by top-tier technology
* A focus on education by explaining the steps clearly so you feel confident every step of the way
* I'm helpful and make myself available 7 days a week


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 clients throughout Rhode Island secure financing for homes ranging from all prices and property types, and I'm proud to be a trusted resource for both buyers and local real estate agents.


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

Dulce Serpa is your Cranston local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Dulce is committed to helping homeowners with home purchase loans and refinances. Contact Dulce at (401) 692-0998 for more information!

Dulce Serpa at Guaranteed Rate Affinity (NMLS #21010)

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