Cindy Kramer is your Newport Beach local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Cindy is committed to helping homeowners with home purchase loans and refinances. Contact Cindy at (949) 221-8283 for more information! Guaranteed Rate Affinity NMLS 1598647. For additional Licensing information, please visit the NMLS Consumer Access website. CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.