Steph Duncan at Rate Affinity (Nmls #325217)

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!

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) 656-4243 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.