For more than 24 years, Dulce Serpa has delivered the highest level of service to help clients achieve their homeownership dreams. Dulce enjoys working with all types of homebuyers – from first-time buyers to seasoned homeowners – and has a vast knowledge of FHA, VA, conventional and jumbo loans. She's committed to finding a tailor-made mortgage solution that best fits her clients' needs. Dulce has built her business on exceptional service, and borrowers can expect a smooth, transparent mortgage process.


As a dedicated refinance mortgage specialist, I focus on understanding your unique financial situation to find the best mortgage solution for your my goal is to help you secure a loan that not only meets your needs but also enhances yoru overal financial well-being.


Guaranteed Rate Affinity is fully digital with a Digital Mortgage application to FlashClose*, but Dulce will reach out to keep her clients informed during every step of the journey, and will empower her clients to confidently make life's biggest purchase.


*Not eligible for all loan types or investors. Conventional loans only. Eligible for primary, 2nd home and investment properties. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Title company restrictions may apply, contact Guaranteed Rate for current rates and for more information. Full eClose is not currently eligible in Alaska, Arkansas, California, Connecticut, Delaware, Georgia, Hawaii, Louisiana, Massachusetts, North Carolina, Oregon, Rhode Island, South Carolina, West Virginia and Wyoming.

VP of Mortgage Lending

Dulce Serpa is your Cranston local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Dulce is committed to helping homeowners with home purchase loans and refinances. Contact Dulce at (401) 692-0998 for more information!

Dulce Serpa at Guaranteed Rate Affinity (NMLS #21010)

I am a Rhode Island Native with almost 20 years in the mortgage industry. I have lived in many states including Minnesota, Pennsylvania, Ohio, Virginia and North Carolina but Rhode Island is and always will be my home. I have been married for 25 years and happily raised my two beautiful children in the Ocean State. I basically grew up in this industry as my Mom spent 35 year in the industry herself and I learned a lot of the core values in my career from her. I love every aspect of what I do and there is no better feeling than watching my clients get their keys to their NEW home!  In my free time I enjoy spending my time with my family (including our dog Max) doing just about anything, being at the beach anytime of day, and living every moment grateful!

As a trusted mortgage lender and one of the nation's top 1% loan originators, I specialize in helping clients achieve their homeownership goals with confidence. Whether you're buying your first home, a luxury property, or using your VA, FHA, or Jumbo loan benefits, I provide expert guidance and a personalized strategy tailored to your needs in Rhode Island, Connecticut, Massachusetts, and Florida. With years of experience and a reputation for clear communication, fast closings, and exceptional service, I strive to make the mortgage process smooth, transparent, and stress-free. I would be honored to be your trusted mortgage lender and help you get HOME.

Deana Bobbin is your Cranston local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Deana is committed to helping homeowners with home purchase loans and refinances. Contact Deana at (401) 254-4410 for more information!

Deana Bobbin at Guaranteed Rate Affinity (NMLS #374255)

Se habla Español! Clients looking for a smart mortgage consultant and a company that really cares go to Patricia Placencia and Guaranteed Rate Affinity for all their home financing needs. They can count on her to listen and understand their vision, and stay committed to doing what’s in their best interest. Patricia knows that every client has different financial goals, so she takes the time to understand their vision in order to recommend smart mortgage solutions. As a consultant, she is backed by a dedicated team of loan assistants, processors, underwriters and closing specialists. She and her team consistently deliver smart choices because they’re highly trained and well versed in all aspects of the industry. To find a smart home-financing solution, give Patricia a call today!



Aviso de Exención de Responsabilidad: Todas las negociaciones y los Documentos de Transacciones de Préstamos Hipotecarios se realizarán y serán proporcionado en Inglés.  Le sugerimos que trabaje con un intérprete de su elección. Podrá encontrar más información sobre el proceso de préstamo en español en https://www.consumerfinance.gov/es/herramientas-del-consumidor/hipotecas/

Regional Manager

Patricia Cepeda is your Cranston local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Patricia is committed to helping homeowners with home purchase loans and refinances. Contact Patricia at (401) 824-5542 for more information!

Patricia Cepeda at Guaranteed Rate Affinity (NMLS #505240)

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.

Associate VP of Mortgage Lending

Armani Delgiudice is your Cranston local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Armani is committed to helping homeowners with home purchase loans and refinances. Contact Armani at (781) 350-7005 for more information!

Armani DelGiudice at Guaranteed Rate Affinity (NMLS #2033573)

Evelyn Perez is your Cranston local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Evelyn is committed to helping homeowners with home purchase loans and refinances. Contact Evelyn at (781) 530-3469 for more information!

Evelyn Perez at Guaranteed Rate Affinity (NMLS #828119)

Vice President, Mortgage Lending

Lissa Almanzar is your Cranston local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Lissa is committed to helping homeowners with home purchase loans and refinances. Contact Lissa at (401) 287-4891 for more information!

Lissa Almanzar at Guaranteed Rate Affinity (NMLS #1842675)

Cranston

<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>

6 Loan Officers Cranston, RI