My passion is helping people buy homes and educating them in the home buying process. I am backed by a full-service team of mortgage professionals at Guaranteed Rate Affinity. Although I am based in Metro Orlando, I specialize in both purchase and refinance mortgages ++throughout the state of Florida++, offering Conventional, FHA, VA, USDA, Jumbo and a suite of portfolio products, including Investor Cash Flow, Bank Statement, and HELOC options. We will help you find the best product and terms for your unique financial picture, and will work with you to help you win offers and close on time, and as smoothly as possible.


A UCF grad and UCF Dad, I am a father of four wonderful children- Madison, Ethan, Grace, and Annalise- and husband to my beautiful wife, Suzanne, since 1999. I enjoy golfing, spending time at the beach, and playing music.

VP of Mortgage Lending

Jim Kluegel is your Lake Mary  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jim is committed to helping homeowners with home purchase loans and refinances. Contact Jim at (321) 356-3886 for more information!

Jim Kluegel at Guaranteed Rate Affinity (NMLS #276785)

Home is where life happens—and as a mom of three energetic boys, I know just how meaningful the right home can be. Our family lives right here in Seminole County, where my 3 boys (ages 6, 4 and 2) attend local schools. With my husband serving as a City of Lake Mary firefighter, our roots run deep in the place we call home. We don't just work here—we live our life here, too.


My passion for helping families find the right home is shaped by both my personal experiences and my professional background. With extensive experience in compliance, processing, processor management, quality control, and origination, I understand the mortgage process from every angle. My clients trust me because I pair industry expertise with genuine compassion, clear guidance, and honest communication.


I believe your home-buying journey should feel exciting, not intimidating. Whether you're a first-time buyer, a growing family, or someone exploring your financing options, I'm here to make the process simple, transparent, and tailored to your needs.


My team provides a full suite of loan programs—including conventional, FHA, VA, USDA, jumbo loans, condo loans, down payment assistance, and first-time homebuyer programs—so we can find the solution that supports your goals.


If you're curious about what you might qualify for or simply want a friendly, no-pressure conversation about your options, I'm here to guide you every step of the way.

Ashley Thalmueller is your Lake Mary  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Ashley is committed to helping homeowners with home purchase loans and refinances. Contact Ashley at (407) 469-5052 for more information!

Ashley Thalmueller at Guaranteed Rate Affinity (NMLS #1691065)

Lisa Howe is a dedicated mortgage loan officer with over 30 years of trusted experience helping borrowers find the right financing solutions to get into the homes they love. Known for her steady guidance and straightforward communication, Lisa believes the mortgage process should feel clear, organized, and confidence-building, whether you are buying your first home, building new construction, or exploring more complex financing options.


Throughout her career, Lisa has helped thousands of clients navigate everything from FHA and VA loans to builder and new construction financing, as well as Non-QM solutions for borrowers whose income or documentation may not fit a traditional box. She is especially passionate about supporting first-time homebuyers, breaking down each step in plain language, and creating a game plan that fits the borrower's goals, timeline, and comfort level.


Lisa's commitment to service and results has earned her multiple professional awards, but what matters most to her is the trust she builds with every client and referral partner. She takes pride in being responsive, proactive, and detail-oriented, helping transactions move smoothly from pre-approval to closing.

Lisa Howe is your Lake Mary  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Lisa is committed to helping homeowners with home purchase loans and refinances. Contact Lisa at (407) 563-4126 for more information!

Lisa Howe at Guaranteed Rate Affinity (NMLS #501988)

Lake Mary

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3 Loan Officers Lake Mary, FL