With over 20 years in the mortgage industry, Julie is a trusted advisor known for her dedication to clients and a personalized approach to mortgage solutions. Since 2003, she has originated over 2,300 loans totaling more than $450 million, helping clients secure financing for primary residences, vacation homes, and investment properties. Julie's attention to detail and strong communication skills have earned her the loyalty of clients, with many returning and referring friends, family, and co-workers across Texas.


As a proud Homes for Heroes affiliate, Julie offers additional savings to those who serve or have served in hero professions, including Firefighters/EMS, Law Enforcement, Military (Active & Veteran), Healthcare professionals, and Teachers. She is particularly passionate about helping first-time homebuyers but also enjoys working with experienced homeowners and investment property buyers to achieve their goals.  
Recognized for excellence, Julie has received the Five Star Mortgage Professional Award, D Magazine Best Mortgage Professional Award, and Scotsman Guide Top 1% Originators in America, along with a Certificate of Excellence from HUD for helping low-income families achieve homeownership.


Julie is committed to building lasting client relationships and ensuring a smooth, successful mortgage experience at every step. She approaches each loan as an opportunity to empower her clients, helping them feel informed and confident in their decisions.

VP of Mortgage Lending

Julie Nichols is your Frisco  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Julie is committed to helping homeowners with home purchase loans and refinances. Contact Julie at (214) 616-4549 for more information!

Julie Nichols at Guaranteed Rate Affinity (NMLS #280620)

With 25 years of experience in the mortgage industry and over three decades in real estate finance, Donna is a seasoned mortgage professional dedicated to helping Texans achieve their homeownership dreams. Licensed to provide loans across the state, Donna has served hundreds of families throughout Texas with a commitment to honesty, capability, and integrity. Known for a hands-on approach and deep industry knowledge, Donna takes pride in guiding clients through the home loan process with clear communication and a strong commitment to their financial well-being.

Donna Hambek is your Frisco  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Donna is committed to helping homeowners with home purchase loans and refinances. Contact Donna at (214) 295-4008 for more information!

Donna Hambek at Guaranteed Rate Affinity (NMLS #396728)

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.

Jeff Kramer is your Frisco  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jeff is committed to helping homeowners with home purchase loans and refinances. Contact Jeff at (214) 803-3796 for more information!

Jeff Kramer at Guaranteed Rate Affinity (NMLS #290136)

Frisco

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3 Loan Officers Frisco, TX