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)

With 17 years of mortgage industry experience, Brian Scott Cohen has risen to the top of his field while working in one of the country’s most competitive housing markets. For over a decade, industry publications like Mortgage Executive Magazine, Scotsman Guide and Mortgage Origination News have ranked Cohen as one of the nation’s leading mortgage professionals. In the last decade, Cohen has served over 7000 homeowners, funding over $5 billion in loans. "Providing my clients and real estate agent partners with the very best service and knowledge is something I look forward to as I serve the country’s largest market and community of homebuyers throughout New York and the country. I can’t wait to work alongside the best of the best all while streamlining the homebuying process with industry leading technology and loan products." Brian is here to get you into your dream home with a loan that fits you best. Contact him today to get started!

Brian Scott Cohen 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, Brian Scott is committed to helping homeowners with home purchase loans and refinances. Contact Brian Scott at (646) 584-8009 for more information!

Brian Scott Cohen (NMLS #410025) at Guaranteed Rate Affinity (NMLS #1598647)

**Fabio Fattah | SVP of Mortgage Lending | Guaranteed Rate Affinity**  
Fabio Fattah is a nationally recognized mortgage expert and one of the premier lending authorities across the New York City and New Jersey Gold Coast waterfront markets. With more than 20 years of experience, over $1 billion in lifetime production, and consistent high volume annual producer, Fabio is trusted by top agents and discerning buyers to navigate the most competitive and complex transactions on both sides of the Hudson.


Licensed in New York and New Jersey, Fabio has built a reputation as a go-to resource for waterfront properties spanning Manhattan, Brooklyn, and the North Jersey Gold Coast—including Jersey City, Hoboken, Weehawken, Edgewater, and Fort Lee. His deep understanding of these interconnected markets—from luxury condos and co-ops in NYC to high-end new development along the Hudson River—gives his clients a decisive edge in fast-moving environments.


Fabio specializes in working with high-net-worth clientele and complex financial profiles, with expertise in jumbo financing, multi-layered income structures, and sophisticated lending strategies. He is highly regarded for his ability to structure deals that other lenders cannot, particularly in competitive purchase scenarios where precision, speed, and credibility matter most.


While known for luxury and complex transactions, Fabio brings the same level of focus and guidance to first-time homebuyers, offering clear, tailored solutions across Conventional, FHA, VA, and other specialized programs. His expertise also extends to second homes, investment properties, mixed-use assets, renovation, and construction financing.


A key to Fabio's success is his hands-on, concierge-style approach. He works closely with agents, attorneys, financial advisors, and developers to ensure seamless execution from contract to close—especially in markets like NYC and the Hudson waterfront, where local knowledge and coordination are critical.


With a strong presence throughout New Jersey—including Hoboken, Jersey City, and Central Jersey—and now anchored in New York, Fabio provides clients with a seamless lending experience across state lines. His ability to bridge both markets makes him a unique and invaluable partner for buyers, investors, and real estate professionals operating in the greater NYC metro area.


Above all, Fabio is known for delivering with urgency, transparency, and results—earning long-term relationships and repeat business from clients who expect a higher level of execution.

Fabio Fattah 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, Fabio is committed to helping homeowners with home purchase loans and refinances. Contact Fabio at (212) 745-9065 for more information!

Fabio Fattah at Guaranteed Rate Affinity (NMLS #626887)

Helping First-time buyer and Self-employed borrowers in Westchester County and Rockland County, New York buy homes with confidence, without the stress.


Hi, I'm Daniel Scudieri, a mortgage loan officer for 20 years based in New York, New York, helping clients navigate the home financing process with clarity and confidence.


I specialize in working with first-time buyers and self-employed borrowers across Westchester County and Rockland County, New York, offering tailored loan solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Looking into programs like Conventional, FHA, and Non-QM  
- Navigating a complex deal, or turned down by another lender


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


What sets me apart:  
- I know the products and guidelines very well, including those of our broker lenders  
- I specialize in arranging financing for difficult deals  
- Honesty, responsiveness, knowledge, and fast responses. Including weekends


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 clients 2000 clients throughout New York, New York secure financing for their 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.


When I'm not helping clients, you'll find me spending time as a father, volunteering, and supporting the Walk to End Alzheimer's.


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.

VP of Mortgage Lending

Daniel Scudieri 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, Daniel is committed to helping homeowners with home purchase loans and refinances. Contact Daniel at (212) 318-9407 for more information!

Daniel Scudieri at Guaranteed Rate Affinity (NMLS #836599)

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.

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)

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, Area Sales 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)

Gus Kefalas is your local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Gus is committed to helping homeowners with home purchase loans and refinances. Contact Gus at (516) 528-7421 for more information!

Gus Kefalas at Guaranteed Rate Affinity (NMLS #6553)

Matt DiBono 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, Matt is committed to helping homeowners with home purchase loans and refinances. Contact Matt at (212) 318-9473 for more information!

Matt DiBono at Guaranteed Rate Affinity (NMLS #420511)

Brian Nolan 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, Brian is committed to helping homeowners with home purchase loans and refinances. Contact Brian at (212) 224-0639 for more information!

Brian Nolan at Guaranteed Rate Affinity (NMLS #100308)

Will Arbeiter 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, Will is committed to helping homeowners with home purchase loans and refinances. Contact Will at (212) 224-0637 for more information!

Will Arbeiter at Guaranteed Rate Affinity (NMLS #1026788)

Associate Vice President, Mortgage Lending

Joseph Cho 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, Joseph is committed to helping homeowners with home purchase loans and refinances. Contact Joseph at (212) 318-9445 for more information!

Joseph Cho at Guaranteed Rate Affinity (NMLS #855740)

New York

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14 Loan Officers New York, NY