What does choosing chew toys for a new puppy have to do with refinancing a mortgage?

How about plumping decorative throw pillows to adorn a new couch?

In both these cases, homeowners could find extra cash for some luxuries to improve their quality of life-- like buying a dog and redecorating a living room--once they refinance their homes with a Guaranteed Rate mortgage.

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Hi, I’m Cathy Maloney and I help homeowners secure a competitive mortgage rate and remove the headache of them having to do the research themselves.

It’s a smart time to purchase or refinance a home since mortgage rates are at historical lows. Working with a seasoned professional is the key to wading through it all. I have over 25 years of experience in the mortgage industry, and I have seen great variance in the home-buying market. Looking for a mortgage-- whether it is a brand-new loan or a refinance of your existing one—does not need to be complicated, time-consuming or confusing.

My job is to remove all the guesswork and the financial jargon so that you can be assured that you are getting a competitive, low rate, in terms that you can understand.

You will appreciate Guaranteed Rate’s streamlined process, and transparent, fair fees. A simple mortgage review can help determine how much you will qualify for, or whether you will save money with a refinance1. I will give you responsible recommendations that you will be comfortable with, based on your personal financial situation--how long you plan to own the property; what your income structure is and how often you get paid; whether you already have a mortgage. These are the details that will determine your personalized pricing structure.

Getting pre-approved and understanding clearly your various financing options comes next. You will be empowered with knowledge that will enable you to make better decisions. Our simplified, high-tech process is a game-changer.

Puppies and pillows... Whether you are a first-time buyer with a small down payment, or a higher-net worth person looking for a vacation home, we will work together to put you in your dream home efficiently and without hassle so you can see if it’s possible to start improving your cash flow and begin shopping for the more fun things in life.

Cathy Maloney
VP of Mortgage Lending

O: (973) 840-1967 - C: (973) 214-2370 - F: (773) 328-1643

NMLS ID: 218377
1 Savings, if any, vary based on consumer’s credit profile, interest rate availability, and other factors.  Contact Guaranteed Rate, Inc. for current rates. Restrictions apply.

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.  Restrictions may apply, contact Guaranteed Rate for current rates and for more information.

Cathy Maloney NMLS 218377, Guaranteed Rate NMLS 2611 Equal Housing Lender. For licensing, see www.nmlsconsumeraccess.org