Charles Galati at Guaranteed Rate Affinity

Charles Galati is your Austin local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Charles is committed to helping homeowners with home purchase loans and refinances. Contact Charles at (512) 823-2969 for more information!

I’m Leticia Rios, a Mortgage Advisor with Guaranteed Rate Affinity, helping clients purchase and refinance homes with clarity and confidence. I speak Spanish, have 20 years of experience, I’m passionate about guiding first-time buyers through every step of the homeownership journey — from understanding credit and down payments to selecting the best loan program, including FHA, Conventional, VA, and USDA loans. I also help move-up buyers, investors, and high-net-worth clients secure tailored financing solutions, including Jumbo loan products. By partnering closely with real estate professionals, I provide personalized strategies and modern technology to make every transaction smooth, transparent, and stress-free.

Rate is one of the largest retail mortgage lenders in the United States. Founded in 2000 and licensed in all 50 states and Washington, D.C., we are committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact one of our trusted loan officers today for more information!