Bob has been in the mortgage industry since 1994, but he’s spent his entire career focused on sales and customer service. He knows that treating you with respect is key to your relationship and you will see it in everything he does, from always being available, to acting as an educator and guide, to providing superior follow up and paying attention to every detail. Bob particularly enjoys sharing his knowledge and experience with first-time and move-up buyers—but he is here to help you no matter what kind of buyer you are when you are ready to realize your dream of homeownership. When he isn’t helping you, Bob is active in his church, serving as a deacon and the chairman of a program that helps feed the homeless. He enjoys spending time with his family and dog, hosting cookouts and pool parties, and is an accomplished marathon runner, having completed 50 marathons, including the Boston Marathon 10 times.

VP of Mortgage Lending

Bob Kemp is your Towson local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Bob is committed to helping homeowners with home purchase loans and refinances. Contact Bob at (443) 404-2039 for more information!

Bob Kemp at Guaranteed Rate Affinity (NMLS #177417)

Kathy Cheatham got her start in the mortgage industry 35 years ago as a loan processor. She later changed roles and became a mortgage loan originator, allowing her to work with buyers on a more personal level. Having worked all sides of the loan transaction process for several years, Kathy is extremely knowledgeable about all aspects of the home financing process. She understands how to develop a mortgage solution perfect for each buyer's unique needs. Whether you're a first\-time homebuyer, upgrading, downsizing, or looking to refinance, Kathy can assist you with all your home financing needs.  
When Kathy is not helping people obtain their dream home, she enjoys traveling with her husband and kids. She has two daughters and two grandchildren. Kathy currently serves on the board of directors for the local real estate association and several other association committees. She is the VP of a local Business Networking International chapter (BNI). Kathy has a deep understanding of the local housing market and can assist with finding the perfect community for your next home.  
With years of experience, let Kathy's professional talent bring your dreams of homeownership to life!  
Kathy is licensed in MD, PA, DE, VA, FL, SC, NC, and NJ.

Kathy Cheatham is your Towson local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Kathy is committed to helping homeowners with home purchase loans and refinances. Contact Kathy at (410) 390-6025 for more information!

Kathy Cheatham at Guaranteed Rate Affinity (NMLS #148993)

Towson

<footer class="footer-container">
          <div class="divider"></div>
          <div class="social-container">
            <a href="/">
              <img
                src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blte2241c03634be37c/646befbd46d4d8ed366be4c2/GRA_Logo.svg"
                alt="Proper Rate A Guaranteed Rate Company Logo"
                width="167"
                height="55"
              />
            </a>
            <div class="social-links">
<a href="https://www.youtube.com/channel/UCA8EFopvnDAtQuGMnD8R5AA?loid=7307&emp-id=7307&adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C">[[[font_icon:blt61501140e05dcbb6]]]</a>
<a href="https://www.linkedin.com/company/guaranteedrateaffinity/?loid=7307&emp-id=7307&adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C">[[[font_icon:blt18ac693ecaadb368]]]</a>
<a href="https://www.facebook.com/GuaranteedRateAffinity?loid=7307&emp-id=7307&adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C">[[[font_icon:blt60f0a0ab0bda458f]]]</a>
<a href="https://www.zillow.com/lender-profile/GuaranteedRateAffinity/?loid=7307&emp-id=7307&adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C">[[[font_icon:blteb579cee60032763]]]</a>
</div>
          </div>
          <div class="links-container">
            <div class="column">
              <a href="https://www.grarate.com/termsofuse?loid=7307&amp;emp-id=7307&amp;adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C" data-ya-track="link#">Terms of Use</a>
              <a href="https://www.grarate.com/privacy?loid=7307&amp;emp-id=7307&amp;adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C" data-ya-track="link#">Privacy Policies</a>
              <a href="https://www.grarate.com/accessibility?loid=7307&amp;emp-id=7307&amp;adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C" data-ya-track="link#">Accessibility</a>
              <a href="https://www.grarate.com/sms-terms?loid=7307&amp;emp-id=7307&amp;adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C" data-ya-track="link#">SMS Terms</a>
              <a href="https://www.grarate.com/licensing?loid=7307&amp;emp-id=7307&amp;adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C" data-ya-track="link#">Licensing Info</a>
            </div>
            <div class="column">
              <a href="https://www.grarate.com/about-us/?loid=7307&amp;emp-id=7307&amp;adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C" data-ya-track="link#">About Us</a>
              <a href="https://careers.grarate.com/?loid=7307&amp;emp-id=7307&amp;adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C" data-ya-track="link#">Careers</a>
              <a href="https://www.grarate.com/contact-us?loid=7307&amp;emp-id=7307&amp;adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C" data-ya-track="link#">Contact Us</a>
              <a href="https://www.grarate.com/articles?loid=7307&amp;emp-id=7307&amp;adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C" data-ya-track="link#">Knowledge Center</a>
              <a href="https://www.grarate.com/legal?loid=7307&amp;emp-id=7307&amp;adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C" data-ya-track="link#">Legal</a>
            </div>
            <div class="column">
              <a href="https://www.grarate.com/disclaimer?loid=7307&amp;emp-id=7307&amp;adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C" data-ya-track="link#">Disclaimer</a>
              <a href="https://www.anywhereinsurance.re/?loid=7307&amp;emp-id=7307&amp;adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C" data-ya-track="link#">Anywhere Insurance Agency</a>
              <a href="https://www.anywhereis.re/?loid=7307&amp;emp-id=7307&amp;adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C" data-ya-track="link#">Anywhere Integrated Services</a>
              <a href="https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1598647?loid=7307&amp;emp-id=7307&amp;adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C" data-ya-track="link#">NMLS Consumer Access</a>
              <a href="https://www.grarate.com/texas-consumers-how-to-file-complaint?loid=7307&amp;emp-id=7307&amp;adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C" data-ya-track="link#">Texas Consumers: How to File a Complaint</a>
              <a href="https://www.grarate.com/notice-to-vendor?loid=7307&amp;emp-id=7307&amp;adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C" data-ya-track="link#">Notice to Vendors</a>
              <a class="privacy-link" target="_blank" href="https://privacyportal-cdn.onetrust.com/dsarwebform/168096e5-faa8-4fdd-a479-992231adbdc1/70bd9394-cadd-46fa-8eaf-11c1f5523029.html?loid=7307&amp;emp-id=7307&amp;adtrk=%7Cseo%7Cgrarate%7C%7C%7C%7C%7Cwww.grarate.com%2Fwidget%2Fmortgage-calculator-lite%7C%7C%7C%7C%7C%7C%7C%7C" rel="noopener noreferrer" data-ya-track="link#">Do Not Sell My Personal Information</a>
            </div>
          </div>
          <div class="copyright-container">
            <img
              src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blt2c78064cb4e93643/647a74c86be35f2593bd207d/equalHousingLender.svg"
              alt="Equal Housing Lender"
              width="136"
              height="29"
            />
            <p>Copyright © 2017-2023 Guaranteed Rate Affinity, LLC. All rights reserved Guaranteed Rate Affinity</p>
            <p>NMLS: 1598647 - For licensing information, go to: <a href="https://www.nmlsconsumeraccess.org">www.nmlsconsumeraccess.org</a><br />Arizona Mortgage Banker License #0941440</p>
            <p>1800 W. Larchmont Ave., Chicago, IL 60613 - <a href="tel:+18888449888">(888) 844-9888</a><br />Operating in the state of New York as GR Affinity, LLC in lieu of the legal name Guaranteed Rate Affinity, LLC.</p>
            <p>Guaranteed Rate Affinity, LLC. is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason prohibited by law.</p>
          </div>
        </footer>

2 Loan Officers in Towson, MD

Bob Kemp

Kathy Cheatham