I'm Matthew Kiss, Vice President of Mortgage Lending at Guaranteed Rate Affinity, and I help buyers, investors, and real estate professionals win in New Jersey and New York by turning complex financing into opportunity.  
I specialize in renovation mortgages and Physician loans, two areas where creative, strategic financing can make or break a deal. My renovation expertise lets buyers unlock hidden property potential and helps Realtors position listings that sell faster and for more. For doctors and high-earning professionals, I craft loan solutions that fit their unique financial picture — no cookie-cutter approach.  
With 20+ years of experience and a track record of consistent Presidents Club achievement, I combine high-level expertise with a consultative, educational approach. Formerly a teacher, I value clear communication, proactive problem-solving, and guiding clients every step of the way.  
If you want to turn a house into a dream home, or position a listing that stands out, I'm the mortgage officer who can make it happen.

VP of Mortgage Lending

Matthew Kiss is your Paramus local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Matthew is committed to helping homeowners with home purchase loans and refinances. Contact Matthew at (201) 225-8407 for more information!

Matthew Kiss at Guaranteed Rate Affinity (NMLS #22785)

Helping Jumbo, Self-Employed, and Investor borrowers in Essex, Morris, and Union counties in New Jersey buy homes with confidence, without the stress.


Hi, I'm David Rubenstein, a mortgage loan officer with 25 years of experience based in Paramus, New Jersey, helping clients navigate the home financing process with clarity and confidence.


I specialize in working with Jumbo, Conventional, and Non-QM borrowers across Essex, Morris and Union counties in New Jersey, offering tailored loan solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Managing a complex deal, or looking for new metrics on affordability


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


What sets me apart:  
- I take the time up front to ask the probing questions to understand the specific needs of the borrower.  
- I bring a direct, clear communication style with engaging ways of explaining things.  
- I am highly accessible and consistently available for borrowers when they need support.


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 1,000 clients throughout New Jersey 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.


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.

Originating Manager

David Rubenstein is your Paramus local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, David is committed to helping homeowners with home purchase loans and refinances. Contact David at (856) 350-9089 for more information!

David Rubenstein at Guaranteed Rate Affinity (NMLS #404423)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to make the mortgage process easy to navigate and be available to you from application to closing. Serving NJ, NY and PA. I take pride in thoroughly educating my customers, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.  
Alishia's areas of expertise are sales, marketing, and building relationships. Purchase/Refinance/Renovation/Reverse/HELOC/Bridge Loans

Associate VP of Mortgage Lending

Alishia Taiping is your Paramus local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Alishia is committed to helping homeowners with home purchase loans and refinances. Contact Alishia at (856) 994-0167 for more information!

Alishia Taiping at Guaranteed Rate Affinity (NMLS #588949)

Mortgages do not have to be scary. Seriously, they do not. Whether you are buying, building, or refinancing, I am here to make the process as smooth as your morning coffee, or at least a lot less stressful than assembling IKEA furniture.


With **23 years in mortgage banking** and **over $1 billion in funded loans**, I have seen it all. From first-time buyers to luxury home purchases, complex scenarios, and savvy homeowners refinancing to lower their rate, consolidate debt, or tap into equity for renovations and investments, I bring experience that actually matters when it counts.


As a **Presidents Club member**, **NAHREP Top 250 Honoree**, and **NAHREP Top 100 in the Northeast**, I've been recognized among the **top 1.5% of Mortgage Loan Officers Nationwide**. I pride myself on delivering results, not just promises. My business is built on trust, performance, and long-term relationships.


Thinking about refinancing? This can be a great opportunity to lower your monthly payment, shorten your loan term, remove PMI, or use your home's equity more strategically. I walk you through every option so you can make the right decision for your goals, not just today, but long term.


I specialize in a wide range of loan programs, including **jumbo financing, FHA, conventional, and investment property loans**. I also work extensively with self-employed borrowers using **bank statement and DSCR loan solutions**.


I am especially passionate about helping **veterans and active-duty service members** take full advantage of **VA loan benefits**. VA loans offer powerful advantages like no down payment options, no PMI, competitive interest rates, and flexible qualifying guidelines. Whether it is your first home, a refinance through an IRRRL, or using your benefits again, I make sure you understand exactly how to maximize what you have earned through your service.


At Guaranteed Rate Affinity, we keep things simple. You get straightforward mortgage and refinance solutions, backed by expert guidance, so you can move forward with confidence.


**What you get when you work with me:**


* A dedicated team managing your loan from start to finish
* Affordable home financing and refinancing options tailored to your needs
* Strategic solutions for self-employed borrowers, investors, medical professionals, and veterans
* Renovation and construction financing options when your dream home needs a little work
* A mortgage expert who actually picks up the phone and keeps you informed.
*
Whether you are upgrading, downsizing, refinancing, investing, or buying your dream home, let's connect.


**Call me at 908.884.6484 and let's get you moving.**

SVP of Mortgage Lending

[Looking for a lender who actually picks up the phone? Marco Moreno is your local Paramus mortgage expert at Guaranteed Rate Affinity. With a focus on competitive rates and a smooth, no-surprises process, Marco helps homeowners navigate purchases and refinances with confidence. Call or text Marco at (908) 884-6484 to talk through your options.

Marco Moreno at Guaranteed Rate Affinity (NMLS #589181)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer, seasoned owner or want to refinance, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Mark Yecies is your Paramus  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Mark is committed to helping homeowners with home purchase loans and refinances. Contact Mark at (201) 645-4271 for more information!

Mark Yecies at Guaranteed Rate Affinity (NMLS #18958)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

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

Domenic Vitulli at Guaranteed Rate Affinity (NMLS #576868)

Frank Gatto is your Paramus  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Frank is committed to helping homeowners with home purchase loans and refinances. Contact Frank at (201) 356-0577 for more information!

Frank Gatto at Guaranteed Rate Affinity (NMLS #265132)

Vice President, Mortgage Lending

Alex Cruz is your Paramus  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Alex is committed to helping homeowners with home purchase loans and refinances. Contact Alex at (201) 645-6420 for more information!

Alex Cruz at Guaranteed Rate Affinity (NMLS #589200)

Lanie Conklin is your Paramus  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Lanie is committed to helping homeowners with home purchase loans and refinances. Contact Lanie at (201) 225-8401 for more information!

Lanie Conklin at Guaranteed Rate Affinity (NMLS #106499)

Paramus

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9 Loan Officers Paramus, NJ