Debra is an SVP of Mortgage Lending at Guaranteed Rate. With over 23 years of experience in mortgage lending, she is an expert in residential mortgage financing for all property types, including single & multi-family residences, townhomes, condos, co-ops, new developments and conversions. Debra has access to just about every mortgage product on the market. The more traditional products include options for jumbo loan amounts, Fannie Mae & Freddie Mac conforming & high balance loan amounts, FHA, VA and construction to permanent. 

In addition to traditional mortgage products, Debra is frequently asked to make "mortgage magic" for non-traditional borrowers with out of the box scenarios. She has strong relationships with many of the nation's top mortgage lenders and is sought after by industry leaders for focus groups, pilot programs, software beta testing, & product opinions. 
Her core business partners include real estate agents, attorneys, developers, CPAs, accountants, financial advisors, wealth managers, and of course, her past clients.
One of her favorite testimonials described her as being "extraordinarily responsive". She understands that real estate transactions move quickly in her markets and is always just a text, email or phone call away.

Debra has been a member of Guarantee Rate’s President's Club every year since she joined in 2012. Prior to Guaranteed Rate, Debra was a Managing Director for eight years at a local mortgage company, which was acquired by Guaranteed Rate in 2012. Debra is based out of our Manhattan office located at 750 Lexington Avenue. In her leisure time, she enjoys working out. meditation, clean cooking, cross-stitching, all types of music, furthering her education & most of all, spoiling her Maltipoo named "Dash".

Debra actively pursues an organic & holistic lifestyle and is a health advocate for those suffering from thyroid disease and environmental illnesses.
Debra is licensed through the NMLS (National Mortgage Licensing System) in the states of NY, NJ, PA, CT, FL, AZ, & CA.  More states to come.

Debra is an SVP of Mortgage Lending at Guaranteed Rate Affinity with over 27 years of extensive experience in mortgage lending. She is a Top 1% National Mortgage Originator and an expert in residential mortgage financing for all property types, including single & multi-family residences, townhomes, condos, coops, condops, new developments and conversions.


Debra has access to just about every mortgage product on the market through Rate's correspondent and broker channels. This includes products for Agency conforming and high balance loan sizes, portfolio products for jumbo and super jumbo loan sizes, FHA, VA, renovation, construction to permanent and NON QM products (alternative income). Many of these products allow for temporary and permanent rate buydowns.


In addition to traditional mortgage products, Debra is frequently asked to make "mortgage magic" for nontraditional borrowers with out of the box scenarios. Hence, her nickname "AbracaDebra." This includes Non-QM products, such as bank statement deposits, asset depletion and rental income, in lieu of traditional income for the self-employed, high net worth and investors. As well as simplified income verification process for foreign nationals.


Her core business partners include real estate agents, attorneys, developers, CPAs, accountants, financial advisors, wealth managers, and of course, her past clients.


One of her favorite testimonials described her as being "extraordinarily responsive." She understands that real estate transactions move quickly in her markets and is always just a text, email or phone call away. She is available 24/7/365.


Debra is based out of New York City. In her leisure time, she enjoys exercise, meditation, clean cooking, cross-stitching, all types of music, furthering her education and most of all, spoiling her Maltipoo named "Teddy."

SVP of Mortgage Lending

Debra Shultz is your New York  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Debra is committed to helping homeowners with home purchase loans and refinances. Contact Debra at (212) 318-9497 for more information!

Deb Shultz at Guaranteed Rate Affinity (NMLS #49302)

As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, I am committed to helping homeowners with home purchase loans and refinances. Contact me for more information!

Associate VP of Mortgage Lending

John Gerogianis is your New York local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, John is committed to helping homeowners with home purchase loans and refinances. Contact John at (718) 637-6406 for more information!

John Gerogianis at Guaranteed Rate Affinity (NMLS #1207023)

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.

VP of Mortgage Lending

Dimitrios Koutroumanos is your New York  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Dimitrios is committed to helping homeowners with home purchase loans and refinances. Contact Dimitrios at (212) 318-9489 for more information!

Dimitrios Koutroumanos at Guaranteed Rate Affinity (NMLS #1797410)

Born and raised in New York City, I entered the mortgage industry in January 2004 with a passion for helping families achieve the dream of homeownership. Over the past twenty years I've had the privilege of serving more than 2,000 families, guiding them through every type of loan from conventional, FHA, jumbo, and 203k rehabilitation loans to construction-to-permanent financing.  
I've also worked extensively with self employed customers, helping them purchase and finance properties through non conventional loan programs designed to meet their unique needs. Most recently, my focus has been on supporting underserved communities by helping families access Community Reinvestment Act (CRA) grants.  
As the son of Dominican immigrants, Spanish was my first language, and being bilingual has allowed me to connect deeply with diverse clients and partners across the real estate community. My commitment extends beyond financing as I take pride in helping real estate professionals grow their businesses while ensuring families can secure homes they love.  
I am a proud graduate of New York Institute of Technology (NYIT), where I studied before beginning my career in finance and leadership. Outside of work, I'm passionate about baseball, flying, traveling and exploring food cultures.

Vice President, Mortgage Lending

Albert Diaz is your New York  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Albert is committed to helping homeowners with home purchase loans and refinances. Contact Albert at (212) 318-9487 for more information!

Albert Diaz at Guaranteed Rate Affinity (NMLS #704326)

AVP of Mortgage Lending

Margaret Ryvin is your New York  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Margaret is committed to helping homeowners with home purchase loans and refinances. Contact Margaret at (212) 318-9411 for more information!

Margaret Ryvin at Guaranteed Rate Affinity (NMLS #814910)

Nick Carleo is your New York  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Nick is committed to helping homeowners with home purchase loans and refinances. Contact Nick at (312) 383-6313 for more information!

Nick Carleo at Guaranteed Rate Affinity (NMLS #1220114)

Robert Carleo is Senior Vice President and Strategic Growth Manager with nearly three decades of experience in mortgage lending and sales leadership. He brings 28 years in sales and 20 years as a Vice President and Branch Manager, during which he oversaw more than $10 billion in closed loan volume.


Throughout his career, Robert has built, led, and scaled high-performing mortgage organizations by focusing on disciplined sales execution, operational structure, and people-first leadership. He has extensive experience recruiting, developing, and retaining top-producing Loan Officers, creating cultures rooted in accountability, compliance, and long-term relationship building.


As a growth-focused executive, Robert partners with leadership teams to drive production, expand market presence, and align recruiting initiatives with sustainable business objectives. He is widely recognized for his ability to identify talent, elevate performance, and implement scalable systems that support consistent success in an evolving mortgage landscape.

SVP, Strategic Growth Manager

Rob Carleo is your New York  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Rob is committed to helping homeowners with home purchase loans and refinances. Contact Rob at (212) 318-9416 for more information!

Rob Carleo at Guaranteed Rate Affinity (NMLS #420634)

New York

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7 Loan Officers New York, NY