Leticia Rios

Leticia Rios VP of Mortgage Lending at Guaranteed Rate Affinity
NMLS 367538 | GRA NMLS 1598647
Serving Texas & CA Leticia Rios is a direct lender.

She has been a licensed loan officer for 20 years and is also fluent in Spanish. My services Direct lender with all government agencies (Fannie Mae, Freddie Mac, and Ginnie Mae). They offer Conventional, FHA, VA, and Jumbo loan products. She can be contacted at [email protected] or 949.910-1365

Mortgage rates dipped — and with the new year officially underway and tax season here, the conversation for buyers is sh...
01/11/2026

Mortgage rates dipped — and with the new year officially underway and tax season here, the conversation for buyers is shifting.

And for many buyers, a tax refund can help cover part (or all) of a down payment

This doesn’t mean rush — but it does mean this is a smart time to get informed and positioned early in the year.

If you’re thinking about buying in 2026, DM or Call Me 512.769.7495

Realtors: THIS is why your lender relationship matters.A buyer came to me last week after being denied by his big bank—o...
12/11/2025

Realtors: THIS is why your lender relationship matters.

A buyer came to me last week after being denied by his big bank—one week before closing.

Reason?
A supposed 3-month employment gap.

His Realtor reached out and said,
“Leti, can you take a second look?”

Here’s what we discovered:

He wasn’t actually unemployed — he had previous work history overseas.

Wells Fargo never added it to his file. A quick letter of explanation solved everything.

I rebuilt the file, verified the history, and closed the loan in 10 days.

Your deals deserve more than automated checklists and generic underwriting.

You deserve a lender who digs, problem-solves, and protects your closings.

If you ever need a second opinion, I’m one call away — even if it’s last minute!

🚨 They Were Days From Being Homeless 🚨This buyer said no to switching lenders.They trusted an online app more than their...
04/15/2025

🚨 They Were Days From Being Homeless 🚨
This buyer said no to switching lenders.
They trusted an online app more than their own Realtor.
And for 30 days… everything looked fine.
Until it wasn’t.
The online lender ghosted for weeks—
Then called with one line that changed everything:
❌ “You’re not approved.” ❌
No backup plan
No loan
No home
The couple had already sold their house.
They were living out of boxes with nowhere to go.
That’s when the Realtor called me and asked:
👉 “Can you fix this?”

Here’s what happened next:
✔️ App + docs reviewed on 4/3
✔️ Disclosed and locked by 4/4
✔️ Full approval by 4/7
✔️ Clear to close on 4/8
✔️ Closed + funded 4/15
All in 8 DAYS flat.
But that’s not even the best part…
We used an $8K seller credit to lock in a 2/1 buydown
Starting rate? 4.625% 🔥
Now they’re homeowners—with keys in hand and peace of mind.

I don’t post these to brag
I post them because this is what great partnerships look like.
When deals fall apart
When other lenders bail
When lives are hanging in the balance…
Realtors who know me know this:
I don’t flinch. I close.
Every time.

💥Closed on his first home at 22!4 bedrooms, smart plan: live in one, rent the rest. He’s building savings and equity — d...
04/01/2025

💥Closed on his first home at 22!

4 bedrooms, smart plan: live in one, rent the rest.
He’s building savings and equity — double win!

This is how you house hack your way to wealth.

🏠💼 Fourth Home, Four Streams of Income! 💡Meet the Aguilars—the savvy homeowners who's just purchased their fourth proper...
12/06/2024

🏠💼 Fourth Home, Four Streams of Income! 💡
Meet the Aguilars—the savvy homeowners who's just purchased their fourth property! 🚪✨ Each home is more than a place to live; it's a stepping stone to financial freedom, with rental income flowing in from every address. 💰💼
Real estate isn’t just about buying homes; it’s about building wealth one door at a time. Ready to start your journey? Let’s make it happen! 🙌

🏠 When your family grows, so do your dreams. This family turned their need for a bigger home into an opportunity to buil...
11/21/2024

🏠 When your family grows, so do your dreams. This family turned their need for a bigger home into an opportunity to build wealth! A home valued at $100K, a mortgage balance of just $36,315, and a monthly payment of $311. Now, it’s becoming a rental property bringing in $1,200/month in rent. That’s $889 in pure profit every month! Instead of selling their current home (almost paid off!), they're converting it into a rental property for a steady, long-term income. 💰📈

This is how you build passive income and make your home work for you. Ready to turn your home equity into a cash flow machine? Let’s explore your options today! 📞✨

🏡 Renters, this is for you! 🏡This couple just unlocked their first home! Even with the media hype about rates, first-tim...
10/18/2024

🏡 Renters, this is for you! 🏡

This couple just unlocked their first home! Even with the media hype about rates, first-time buyers are realizing that now is the time to buy. 💡

Here’s why:
✅ Renting = 100% interest
✅ Refinance later, but you can’t rewind to get today’s price
✅ Start building equity now!

Ready to stop paying someone else’s mortgage? DM me and let’s get you on the path to homeownership! 💬

🏡 Calling All Renters! 🏡Check out this happy couple who just unlocked the door to their first home! 👏 Despite what the m...
10/18/2024

🏡 Calling All Renters! 🏡

Check out this happy couple who just unlocked the door to their first home! 👏 Despite what the media says about interest rates, I’m seeing a trend—smart first-time homebuyers are realizing that now is the time to buy, no matter where the rates are! 📈

💡 Here’s why:
✅ Renting is still 100% interest—why pay someone else’s mortgage?
✅ You can refinance later if rates drop, but you can’t go back in time to get today’s price.
✅ Homes are an investment in your future, and building equity begins with the first step!

🚪 If you’re renting, ask yourself: what’s stopping you from walking through the door of your own home?

Let’s make your dream of owning a home come true! Send me a DM, and let’s talk about how you can start your journey today. 💬

🎉 Congrats to These First-Time Homeowners! 🎉This amazing couple secured a 3.125% rate with a seller-paid buy-down, givin...
10/16/2024

🎉 Congrats to These First-Time Homeowners! 🎉

This amazing couple secured a 3.125% rate with a seller-paid buy-down, giving them lower payments and a solid start to their future! 🏡

Worried about high rates? There are creative ways to get lower rates and payments right now. Don’t miss out on building your net worth!

💡 Ready to make your move? DM me to learn more!

Thank you so much for your kind words! We're thrilled to have been part of your first home purchase journey. It means a ...
09/03/2024

Thank you so much for your kind words! We're thrilled to have been part of your first home purchase journey. It means a lot to us that you had a great experience with our team. We're here for you whenever you need us, and we appreciate your 5-star review!

☀️🌧️ Dodging rain clouds this Labor Day weekend like... 🏊‍♂️ Who else is on a mission to squeeze in some final pool time...
08/30/2024

☀️🌧️ Dodging rain clouds this Labor Day weekend like... 🏊‍♂️
 
Who else is on a mission to squeeze in some final pool time before summer officially ends? 🙋🏽‍♀️
 
What are your plans for the long weekend? Beach trip? BBQ? Netflix marathon?
 

Thank you so much for your trust. It was a pleasure working with you and we will be in touch as I manage your mortgage d...
08/27/2024

Thank you so much for your trust. It was a pleasure working with you and we will be in touch as I manage your mortgage debt and help you pay it off the loan faster!

Address

2501 Ranch Road 620 South Suite 120
Lakeway, TX
78738

Telephone

+15127295056

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