Mortgage Loan Originator
NMLS License #281609*
*Licensed to Originate Loans in California
VALender.com is a personal website, owned by Doug Bullwinkel, a Mortgage Loan Originator and full time employee for Guaranteed Rate Affinity. He has over 25 years in the Mortgage Industry and has helped thousands of clients achieve the dream of home ownership. All loans are originated and funded through Guaranteed Rate Affinity.
When you work with Doug Bullwinkel, you’re working with someone you can trust to do the right thing for you. You come first. That is the rule, not the exception when you work with Doug.
Doug works with all types of loans, the perfect and the not quite perfect. Doug will find the right loan program for you.
You can be assured that your loan is being handled in the most efficient and effective manner possible. Doug employs all of the latest technology available, including on-line applications and electronic document transmission, to ensure efficiency and expedience in every aspect of the loan process.
About Guaranteed Rate Affinity
Guaranteed Rate Affinity is one of the nation’s most respected independent mortgage lenders. Licensed in 48 states, we have more than 850 Branches located through the US. We are experts in VA Home Mortgages and we will treat your loan and you, as a Veteran with the respect you deserve.
Guaranteed Rate Affinity is a direct lender with processing through closing done entirely in our local branch, where we control the process, set priorities and complete your loan closing in the most efficient manner. Since our founding in 1988, we have a proven track record for closing loans quickly, efficiently and on-time.
We only deal directly with the Consumer and do not use Mortgage Brokers to originate our home mortgages. This increases the quality of our loans and as a consumer you pay less, with no middle man fees added in.
What makes us different?
Our customers are people and not just a number on a loan file.
We use responsible lending practices to help families achieve their dream of home ownership, while maintaining excellent quality control.
We use common sense underwriting to conform to all Federal and State lending rules and guidelines.
We hire only the most experienced and capable staff including loan originators, processors, underwriters and management.
Our loans are originated, processed and closed in-house, eliminating the need to rely on outside third parties to get the job done.
We believe in the communities we serve and we support participation and involvement in various local projects and charities.
You are invited to Experience the Guaranteed Rate Affinity Advantage!