Hi, I'm Kamna, a mortgage loan officer based in the Bay Area, helping clients navigate the home financing process with clarity and confidence.


I specialize in working with first-time buyers and homeowners looking to upgrade while keeping their current property across Fremont, Santa Clara, San Jose, San Mateo County, San Francisco, and Alameda County, offering tailored loan solutions and a smooth, transparent experience from start to finish. I am also licensed in Texas as of this year, which allows me to assist clients there as well.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Looking into programs like Conventional and Non-QM loans


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


What sets me apart:  
- In-person, relationship-first approach to build trust and confidence  
- Expertise in AMI programs, rate buydowns, and complex DTI scenarios  
- Fast closings with a dedicated team supporting every step  
- A hands-on, supportive experience so you never feel lost in the process


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 700 clients across the Bay Area secure financing and am a proud Chairman's Club member, known for delivering results with a personal touch.


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


When I'm not helping clients, you'll find me actively involved in the local community—something I value deeply after calling the Bay Area home for over 26 years.


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 upgrading your home, let's connect.

SVP of Mortgage Lending

Kamna Mittal is your Fremont local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Kamna is committed to helping homeowners with home purchase loans and refinances. Contact Kamna at (650) 316-2169 for more information!

Kamna Mittal at Guaranteed Rate Affinity (NMLS #926641)

Clients looking for a smart mortgage consultant and a company that really cares go to Kenneth Lee 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. Kenneth 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 Kenneth a call today!

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


Hi, I'm Kenneth Lee, a mortgage loan officer with 22 years' experience based in Fremont, California, helping clients navigate the home financing process with clarity and confidence.


I specialize in working with first-time buyer, investors, self-employed borrowers, and mortgage consultation across Tri-Valley (San Ramon, Dublin, Pleasanton Fremont) and Tri-Cities (Fremont, Union City, Newark), 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, Non-QM, DSCR, Bank statement program, HELOC, bridge loans


I'll walk you through your options and help you choose the right strategy—not just the easiest one. I excel at helping with no credit score, purchase mortgage, as well as fast and reliable pre-approval and closing.


What sets me apart:  
- Clear, honest communication—no surprises  
- Fast, reliable pre-approvals to help you win offers  
- A hands-on, local approach backed by top-tier technology  
- A focus on education so you feel confident every step of the way  
- Deep market knowledge and for "uncovering possibilities" that other lenders missed on difficult files


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 1,800 clients, and I'm proud to be a trusted resource for both buyers and local real estate agents. I'm proud to be in Chairman's Circle and President's Club.


Clients love my willingness to go above and beyond. I have fast responses and reliable closings, making it a stress-free process. 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.

Kenneth Lee is your Fremont local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Kenneth is committed to helping homeowners with home purchase loans and refinances. Contact Kenneth at (510) 446-7702 for more information!

Kenneth Lee at Guaranteed Rate Affinity (NMLS #291318)

Helping homebuyers in the Bay Area of California buy homes with confidence, without the stress.


Hi, I'm Lorena Eloisa, a mortgage loan officer based in Fremont, California helping clients navigate the home financing process with clarity and confidence for over 15 years.


I specialize in working with First-time buyers, borrowers with ITIN, unique incomes, and more 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, and non-QM  
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  
-Fast, reliable pre-approvals to help you win offers  
-Available 24/7 to make sure you are supported in every aspect of the process  
-A focus on utilizing all our tools so you feel confident every step of the way


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 California secure financing for homes, 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.  
When I'm not helping clients, you'll find me enjoying the California sun!


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.

Associate VP of Mortgage Lending

AVP_DE_PRéSTAMOS_HIPOTECARIOS

Lorena Eloisa is your Fremont  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Lorena is committed to helping homeowners with home purchase loans and refinances. Contact Lorena at (510) 446-7707 for more information!

Lorena Eloisa at Guaranteed Rate Affinity (NMLS #1513595)

Cinthia is known for her genuine care, steady guidance, and client‑focused approach to home financing. She believes that every lending journey is personal, and she takes the time to truly understand each client's goals, concerns, and long‑term plans.  
Cinthia brings a calm, reassuring presence to the lending process, offering clear explanations, thoughtful recommendations, and consistent communication from start to finish. Fluent in both English and Spanish, she is deeply committed to serving diverse communities and ensuring every client feels welcomed, supported, and fully informed.  
Backed by a skilled team of processors, underwriters, and closing specialists, she creates a smooth, collaborative experience that helps clients feel confident every step of the way. Her work is driven by a simple belief: home financing should feel approachable, empowering, and centered on people—not paperwork.

Cinthia Raymond is your Fremont  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Cinthia is committed to helping homeowners with home purchase loans and refinances. Contact Cinthia at (408) 406-7804 for more information!

Cinthia Raymond at Guaranteed Rate Affinity (NMLS #2765907)

Helping homebuyers and real estate investors throughout California secure financing with confidence, without the stress.


Hi, I'm Jhansi Bobba, a mortgage loan officer based in California's Bay Area, helping clients navigate the home financing process with clarity, confidence, and personalized guidance.


I specialize in working with investors and buyers across California, particularly those with unique financial situations that don't fit traditional lending guidelines. My focus is on Non-QM loan solutions and helping clients with complex deals, unconventional income sources, and financing scenarios that require creative problem-solving.


Whether you're:  
- Purchasing an investment property  
- Buying a home with non-traditional income  
- Exploring specialized financing options  
- Navigating a more complex lending situation<o:p></o:p>


I'll take the time to explain your options and help you find the loan that best aligns with your goals, not just the easiest solution available.


What sets me apart:  
- A commitment to presenting multiple financing options so you can make informed decisions  
- Honest, transparent guidance throughout the process  
- A client-first approach focused on your long-term success  
- A background in real estate sales with 18 years of industry experience


Do you need 20% down to buy a home? No. Many buyers qualify with much lower down payment options depending on the loan program.


What credit score do you need? Every situation is different, and there are often financing solutions available even when credit challenges exist.


How much home can you afford? Your purchasing power depends on your income, debt, and financial goals. I'll help you understand your options clearly.


Clients appreciate my honesty, accessibility, and dedication to keeping their best interests at the center of every recommendation. I'm always available to answer questions and help guide buyers through the process.


When I'm not helping clients, I live and work on a regenerative farm in the East Bay, focusing on sustainable agriculture and environmental stewardship. My goal is to help create a lower-carbon future through projects that maximize carbon sequestration and promote sustainable living.


I believe mortgage lending is about relationships, trust, and helping people make informed financial decisions. If you're considering a purchase, investment property, or exploring financing options, I'd love to connect.

VP of Mortgage Lending

Jhansi Bobba is your Fremont  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jhansi is committed to helping homeowners with home purchase loans and refinances. Contact Jhansi at (510) 903-2249 for more information!

Jhansi Bobba at Guaranteed Rate Affinity (NMLS #2799640)

Fremont

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5 Loan Officers Fremont, CA