Dulce Serpa

Excellent customer service from my loan officer Dulce Serpa.

Very informative and transparent

They are always quick to respond, and to share information.

The process will cover their needs.

May 13, 2026

I was a first time home buyer and was required to have home-buying certification. Often, there are robust incentives like no or low PMI, lower interest, or similar. I didn't see that. Instead, Dulce Serpa was the key for me using Guaranteed Rate Affinity. Once I decided the house I wanted with my agent, equally awesome Ann Foncellino, Dulce’s knowledge, and vast network of industry contacts, allowed the selling agent whom she has worked with; and me, to close in an unheard of 3 weeks! And the seller Jim was equally satisfied! In addition, Dulce worked successfully on getting my down payment and monthly payments lower! I would not hesitate to use Dulce again!!

Dulce and LaTonya were great to work with. Very helpful and they answered all our questions

Great customer service

Knoiwledgable, helpful both professional and personal, terrific

Jan 29, 2026

We financed our home with Dulce and Guaranteed Rate originally in 2024. She was incredible - attended to all the details, thought of everything, especially things we were just not able, not being professionals, aware of. Dulce worked hand in hand with our realtors to make sure that everything was perfect - all the t's were crossed, i's were dotted and deadlines were met. And through it all she was amazingly compassionate AND professional. Now that we recently wanted to refinance our home, we, of course turned to Dulce and Guaranteed Rate. And once again Dulce and her team went above and beyond to make sure we got the best rate and the best deal possible, especially during these crazy markets. All the while, she carefully attended to the deadlines and details that were required for the refi. She patiently explained everything, was always available to answer questions, and stayed on top of us to make sure that we filled out the necessary paperwork on our end completely and on time. Througout the entire process, she was kind, concerned and appropriately friendly as she provided us the professional service and products that met our needs in a timely way. I give Dulce my highest recommendation, she is amazing!

Dec 20, 2025

Dulce was so easy to work with. She guided us through the entire process and was always there to answer my questions. I highly recommend working with her!

Dec 3, 2025

We just purchased our first home, and as first-time homebuyers, Dulce could not have made the process simpler and more straightforward. She always made herself available to answer questions (and there were a LOT of questions) and she graciously helped us navigate what ended up being a pretty tricky and drawn out process due to some unforeseen bumps in the road. I would recommend Dulce to absolutely anyone looking for a home, especially those who are purchasing their first one. The next time we need a new mortgage, we'll be reaching back out to Dulce!

Good communication and clear expectations.

The process with Dulce and her team was professional, thorough and we were updated every step of the way.

Oct 1, 2025

Working with Dulce was a pleasure. The mortgage application process was seamless. Dulce is very knowledgeable, organized, and personable. I would recommend Dulce at Guaranteed Rate Affinity for your mortgage.

Sep 14, 2025

Dulce, Cheyenne and team made the application and approval process seamless. They were in constant communication and answered any questions we had. I would highly recommend them

Personal commitment

Dulce and Cheyenne were AMAZING in every sense of the word. They embody both professionalism and were extremely responsive, no matter the time of day. They were approachable, knowledgeable, and again always had a quick answer to any inquiries. I would highly recommend them, couldn’t ask for a better experience!

We closed in only 11 days. Which is an unbelievably quick turn around when purchasing a home. Not only that, Dulce was fantastic to work with. I can be a control freak, and she was very transparent which allowed me to be stress free during the home buying process.

Dulce was very helpful and super easy to work with. Always very responsive

Dulce worked diligently to make this refinancing successful. She was extremely responsive and answered all of our questions.

Dulce was extremely helpful, informative, and quick to respond throughout the entire process.

Excellent service start to finish

Very easy to work with, rate was consistent with other banks/lenders.

The process was smooth and all my questions were answered throughout the whole process.

Apr 10, 2025

Dulce was incredible to work with! She was very helpful in explaining every detail of our loan, and was always available to answer any questions we had. As first-time home buyers, we couldn't have asked for anything more! She came highly recommended to us by our realtor, and we'd happily recommend her as well.

Very helpful through the process.

Working with Dulce was awesome

Excellent customer service from Dulce Serpa

Because of the service Dulce Serpa provided. She was incredible.

Dulce Serpa was an excellent advisor. She took the time to explain every detail of our loan and really helped us through what would otherwise be an intimidating process.

Dulce!

Excellent service

Dulce was amazing. She explained every step efficiently. She check-in frequently to see how I was feeling during the process.

Dulce was responsive, knowledgeable, timely and professional

Made the whole process easy

We feel very fortunate that we had the opportunity to work with Dulce Serpa as our mortgage lender in the process of purchasing our first home. As first time home buyers, we had very limited knowledge about applying for a home mortgage. Dulce made the process noticeably seamless and easy to understand, every step of the way. Dulce was incredibly thorough with us - walking us through the loan process from start to finish, helping us understand exactly what we were committing to, and helping us assess our options, related tradeoffs, and relevant impacts. From her years of experience, Dulce was able to advise us in many areas to help us reach our goals comfortably. Dulce was incredibly responsive and informative. She always made herself available to us - often late at night and early in the morning - to make sure all of our questions were answered. One moment that comes to mind was when we first received the formal mortgage application, we noticed it included many pages of disclosures and documents requiring signatures. Dulce could sense that we were a bit overwhelmed, and therefore, got on the phone to walk us through a detailed explanation of the entire application package, section by section. After our offer was accepted, we only had 30 days to close. Dulce worked tirelessly to ensure that all of our paperwork was submitted, all our questions were answered, and everything was buttoned up ahead of closing. She even reached out to us while on an overseas vacation to ensure that we felt good and everything was running smoothly. We were amazed at how committed and dedicated Dulce is to her craft and to her clients! We can’t recommend Dulce Serpa enough, and look forward to referring her to our friends and family. Samuel and Marianna Kelly

Ease of process

Dulce was amazing! Incredibly helpful with a complex deal. She always took the time to explain everything to me and was truly invested in us as customers.

Guaranteed Rate Affinity made the home buying process easy. Specifically, Dulce Serpa was always available to answer our questions and explained everything in a way that was simple to understand.

I had such a great experience with GRA, especially with Dulce Serpa, who helped me throughout the entire process.

They were able to help me in a very complicated situation to move quickly. Dulce and her team are amazing and supportive and helpful.

Dulce Serpa was outstanding always going the extra mile to make it happen. She was a pleasure to work with.

Dulce Serpa was terrific

The service we received was amazing and my loan officer guided us every step of the way!

My loan office Dulce Serpa works tirelessly to get me an approval on a very complex approval process for a self-employed person.

Great experience working with them. Very Human and understanding Agent. always helpful and looking for solutions