Michael Stepek is a seven-time President's Club high achiever and Sales Advisory Council member who offers over 20 years of deep lending experience, focusing on conventional and Jumbo loan products. Each client gets the same superior experience, with Michael spending the time it takes to understand their needs and explain both products and process so that they can make an informed decision. "Making sure that the customer is informed, comfortable with the mortgage process and ready to purchase is my sole objective as their Loan Officer. I work hard to cultivate and maintain relationships with all of my business partners to ensure their trust in me," stated Michael. Whether you're looking to purchase or refinance, Michael is here to help! A graduate of Bloomsburg University with a Bachelor of Arts in marketing, Michael has lived in Lumberton, New Jersey since 2003, with his wife Judi and son and daughter. A sports lover, Michael coaches local youth sports and loves watching all Philadelphia teams, as well as spending time in Cape May.

SVP of Mortgage Lending

Michael Stepek is your Westfield local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Michael is committed to helping homeowners with home purchase loans and refinances. Contact Michael at (908) 546-5641 for more information!

Michael Stepek at Guaranteed Rate Affinity (NMLS #28268)

Sarah is a seasoned mortgage Loan Originator with over 25 years of experience in the residential lending world. Competitive rates and outstanding service are her specialty. From the first time home-buyer to the savvy investor, Sarah makes sure each one of her clients has a stress-free experience with extensive communication throughout the process. Sarah collaborates with top referral partners all over NJ. She helps agents grow their business. Sarah's areas of expertise are sales, marketing, and cultivating relationships. Purchase/Refinance/Renovation/HELOC/Reverse


Sarah lived in the Maplewood/South Orange area for 25 years and now resides in Monmouth County, NJ.

Sarah Maloney is your Westfield local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Sarah is committed to helping homeowners with home purchase loans and refinances. Contact Sarah at (973) 775-4329 for more information!

Sarah Maloney at Guaranteed Rate Affinity (NMLS #1036901)

With 25 years of mortgage experience, and being a long time Monmouth County resident, I pride myself in helping my clients get the best mortgage terms and options in the industry. I am proud to be part of the Guaranteed Rate Affinity team; my goal is to make sure my clients feel at ease and confident throughout the loan process. With my extensive mortgage knowledge and expertise, you can be assured that you will receive the best loan product for your personal needs.  If you are a first-time homebuyer, seasoned buyer, or are refinancing your current loan, Guaranteed Rate Affinity has competitive loan options and low rates and fees. With my team, we will make sure that your loan experience is an easy, seamless process. To find a smart home-financing solution, please give me a call today.

VP of Mortgage Lending

Jeanne Morgenstern is your Westfield local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jeanne is committed to helping homeowners with home purchase loans and refinances. Contact Jeanne at (201) 356-0571 for more information!

Jeanne Morgenstern at Guaranteed Rate Affinity (NMLS #588978)

Westfield

<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="Logo for Guaranteed Rate Affinity, a Guaranteed Rate Company"
                width="167"
                height="55"
              />
            </a>
            <div class="social-links">
<a href="https://www.youtube.com/channel/UCA8EFopvnDAtQuGMnD8R5AA"><i data-testid="font-icon" class="rc-font-icon font-icons-social-youtube " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
<a href="https://www.linkedin.com/company/guaranteedrateaffinity"><i data-testid="font-icon" class="rc-font-icon font-icons-social-linkedin " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
<a href="https://www.facebook.com/GuaranteedRateAffinity"><i data-testid="font-icon" class="rc-font-icon font-icons-social-facebook " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
<a href="https://www.zillow.com/lender-profile/GuaranteedRateAffinity/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-zillow " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
</div>
          </div>
          <div class="links-container">
            <div class="column">
              <a href="https://www.grarate.com/termsofuse" data-ya-track="link#">Terms of Use</a>
              <a href="https://www.grarate.com/privacy" data-ya-track="link#">Privacy Policies</a>
              <a href="https://www.grarate.com/accessibility" data-ya-track="link#">Accessibility</a>
              <a href="https://www.grarate.com/sms-terms" data-ya-track="link#">SMS Terms</a>
              <a href="https://www.grarate.com/licensing" data-ya-track="link#">Licensing Info</a>
            </div>
            <div class="column">
              <a href="https://www.grarate.com/about-us/" data-ya-track="link#">About Us</a>
              <a href="https://careers.grarate.com/" data-ya-track="link#">Careers</a>
              <a href="https://www.grarate.com/contact-us" data-ya-track="link#">Contact Us</a>
              <a href="https://www.grarate.com/articles" data-ya-track="link#">Knowledge Center</a>
              <a href="https://www.grarate.com/legal" data-ya-track="link#">Legal</a>
            </div>
            <div class="column">
              <a href="https://www.grarate.com/disclaimer" data-ya-track="link#">Disclaimer</a>
              <a href="https://www.anywhereinsurance.re/" data-ya-track="link#">Anywhere Insurance Agency</a>
              <a href="https://www.anywhereis.re/" data-ya-track="link#">Anywhere Integrated Services</a>
              <a href="https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1598647" data-ya-track="link#">NMLS Consumer Access</a>
              <a href="https://www.grarate.com/texas-consumers-how-to-file-complaint" data-ya-track="link#">Texas Consumers: How to File a Complaint</a>
              <a href="https://www.grarate.com/notice-to-vendor" 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" 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 © 2017-2025 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>

3 Loan Officers Westfield, NJ