About Debra Shultz
Debra is an SVP of Mortgage Lending at Guaranteed Rate Affinity with over 27 years of extensive experience in mortgage lending. She is a Top 1% National Mortgage Originator and an expert in residential mortgage financing for all property types, including single & multi-family residences, townhomes, condos, coops, condops, new developments and conversions. Debra has access to just about every mortgage product on the market through Rate's correspondent and broker channels. This includes products for Agency conforming and high balance loan sizes, portfolio products for jumbo and super jumbo loan sizes, FHA, VA, renovation, construction to permanent and NON QM products (alternative income). Many of these products allow for temporary and permanent rate buydowns. In addition to traditional mortgage products, Debra is frequently asked to make "mortgage magic" for nontraditional borrowers with out of the box scenarios. Hence, her nickname "AbracaDebra." This includes Non-QM products, such as bank statement deposits, asset depletion and rental income, in lieu of traditional income for the self-employed, high net worth and investors. As well as simplified income verification process for foreign nationals. Her core business partners include real estate agents, attorneys, developers, CPAs, accountants, financial advisors, wealth managers, and of course, her past clients. One of her favorite testimonials described her as being "extraordinarily responsive." She understands that real estate transactions move quickly in her markets and is always just a text, email or phone call away. She is available 24/7/365. Debra is based out of New York City. In her leisure time, she enjoys exercise, meditation, clean cooking, cross-stitching, all types of music, furthering her education and most of all, spoiling her Maltipoo named "Teddy."
