Guaranteed Rate Affinity

This Guaranteed Rate Affinity listing represents Mary Harper, a Beverly-based mortgage loan officer with the national lender who works with borrowers on home purchases and refinances. Harper is a 30-year veteran of the mortgage industry who emphasizes accessibility and matching each client with the right loan product, and she is available to answer questions throughout the process. Guaranteed Rate Affinity promotes a technology-driven, fast application process aimed at quick closings.

The lender’s product lineup is broad. Buyers with smaller down payments can look at FHA, VA and USDA loans, while self-employed borrowers can apply through a bank statement loan program that does not require tax returns or W-2s. Other options include loans for larger properties and luxury homes, physician loans for medical professionals, a fintech home equity line of credit with no in-person appraisal, and a Same-Day approval program. Harper is a longtime Massachusetts resident who raised two children here.

What to Know

• The Lock ‘N’ Roll program lets buyers lock a rate for 60, 75 or 90 days before signing a purchase contract.
• Guidance is available on government grants and programs that help with down payments.
• Harper says her best compliment is a referral to clients’ family and friends.
• Personal loans are offered through an affiliate partner, Rate, rather than by Guaranteed Rate Affinity itself.