Jose knows that everyone has different financial goals, so he takes the time to fully understand each client’s situation in order to recommend the most appropriate mortgage solutions. Guaranteed Rate Affinity offers a full range of loan products and programs to fit specific financing needs, and he makes sure to have a thorough understanding of each. Jose’s first objective is to help clients make the best choice, but that is just one aspect of his elite service. He works with homebuyers throughout the mortgage process as a consultant and guide, directing the activities of a dedicated team that includes loan assistants, processors, underwriters and closing specialists. Jose also coordinates with real estate agents and other industry professionals to ensure that the transaction closes as quickly and smoothly as possible.

Associate Vice President, Mortgage Lending

Jose Cerda is your Hillsdale local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jose is committed to helping homeowners with home purchase loans and refinances. Contact Jose at (201) 645-6441 for more information!

Jose Cerda at Guaranteed Rate Affinity (NMLS #602120)

Stephen knows that everyone has different financial goals, so he takes the time to fully understand each client’s situation in order to recommend the most appropriate mortgage solutions. Guaranteed Rate Affinity offers a full range of loan products and programs to fit specific financing needs, and he makes sure to have a thorough understanding of each. Stephen's first objective is to help clients make the best choice, but that is just one aspect of his elite service. He works with homebuyers throughout the mortgage process as a consultant and guide, directing the activities of a dedicated team that includes loan assistants, processors, underwriters and closing specialists. Stephen also coordinates with real estate agents and other industry professionals to ensure that the transaction closes as quickly and smoothly as possible.

VP of Mortgage Lending

Stephen Kulisek is your Hillsdale local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Stephen is committed to helping homeowners with home purchase loans and refinances. Contact Stephen at (201) 356-4389 for more information!

Stephen Kulisek at Guaranteed Rate Affinity (NMLS #21743)

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

Originating Manager

Emi Wieczerzynski is your Hillsdale local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Emi is committed to helping homeowners with home purchase loans and refinances. Contact Emi at (201) 356-4391 for more information!

Emi Kalici at Guaranteed Rate Affinity (NMLS #281849)

Hillsdale

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3 Loan Officers in Hillsdale, NJ

Jose Cerda

Stephen Kulisek

Emi Wieczerzynski