Helping first-time homebuyers, buyers using FHA, VA, and USDA financing, as well as investors, self-employed borrowers, reverse mortgage clients, and homeowners looking to refinance. I proudly serve the greater Pittsburgh area, including Butler, Allegheny, Beaver, and Westmoreland counties, as well as Downtown Pittsburgh, Shadyside, Squirrel Hill, Cranberry Township, and the North Hills, helping clients buy homes with confidence and without the stress.


Hi, I'm Amber Householder, a mortgage loan officer for 28 years based in Cranberry Township, Pennsylvania helping clients navigate the home financing process with clarity and confidence.


I specialize in FHA, VA, conventional, jumbo, non-QM, renovation, and reverse mortgages across Pennsylvania and Florida, offering tailored loan solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Assistance with fast closings, complex deals, unique income situations, and lower credit profiles


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


What sets me apart:  
- Work with clients from start to finish through the entire loan process, while keeping agents updated every step of the way  
- Clients appreciate my knowledge of mortgages and transactions, helping answer questions and keep them informed  
- Fast responses and flexible availability, including weekends and evenings, with both electronic and face-to-face service through Guaranteed Rate Affinity


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 3,360 clients in across Pennsylvania and Florida secure financing for their homes. Earning a spot in the President's Club. I'm proud to be a trusted resource for both buyers and real estate agents.


Check out my client reviews to see what it's like to work together.


When I'm not helping clients, I'm enjoying life in the city I've called home all my life, Pittsburgh. I'm proud to support the Greater Pittsburgh Community Food Bank, and you can often find me at sporting events around the city cheering on Pittsburgh football, baseball, and hockey teams.


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

Amber Housholder is your Cranberry Township local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Amber is committed to helping homeowners with home purchase loans and refinances. Contact Amber at (724) 912-0062 for more information!

Amber Housholder at Guaranteed Rate Affinity (NMLS #125836)

22 year veteran working with lending and title services. Why me? Because helping a client achieve homeownership within the parameters of their overall financial goals means the world to me. :) With a vast array of programs, including first time homebuyer programs- I have a true passion for expanding knowledge of how a buyer can obtain their dream home while truly understanding the process!

VP of Mortgage Lending

Michel Wright is your Cranberry Township  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Michel is committed to helping homeowners with home purchase loans and refinances. Contact Michel at (724) 856-0228 for more information!

Michel Wright at Guaranteed Rate Affinity (NMLS #742833)

Cranberry Township

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2 Loan Officers Cranberry Township, PA