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Debra Shultz
SVP of Mortgage Lending

Debra is an SVP of Mortgage Lending at Guaranteed Rate. With over 24 years of experience in mortgage lending, she is an expert in residential mortgage financing for all property types, including single & multi-family residences, townhomes, condos, co-ops, new developments and conversions. Debra has access to just about every mortgage product on the market. The more traditional products include options for jumbo and super jumbo loan amounts, Fannie Mae, Freddie Mac, FHA and VA conforming & high balance loan amounts, renovation and construction to permanent.

In addition to traditional mortgage products, Debra is frequently asked to make "mortgage magic" for non-traditional borrowers with out of the box scenarios. This includes Non QM and ALT A products, such as bank statements in lieu of income for the self employed, asset depletion in lieu of income for high net worth, debt service coverage ratio (DSCR) for investors and simple income verification products for foreign buyers.

She has strong relationships with many of the nation's top mortgage lenders and is sought after by industry leaders for focus groups, pilot programs, software beta testing, & product opinions. Her core business partners include real estate agents, attorneys, developers, CPAs, accountants, financial advisors, wealth managers, and of course, her past clients. One of her favorite testimonials described her as being "extraordinarily responsive". She understands that real estate transactions move quickly in her markets and is always just a text, email or phone call away.

Debra has been a member of Guarantee Rate's President's Club every year since she joined in 2012 and was promoted to Chairman's Circle in 2022. Prior to Guaranteed Rate, Debra was a Managing Director for eight years at a local mortgage company, which was acquired by Guaranteed Rate in 2012. Debra is based out of our Manhattan office located at 750 Lexington Avenue, but works remotely from home and is licensed in 47 states and counting.

In her leisure time, she enjoys her bike and tread, meditation, clean cooking, cross-stitching, all types of music, furthering her education & most of all, spoiling her Maltipoo named "Dash".

Debra is also a Certified Integrative Nutrition Health Coach, actively pursues an organic & holistic lifestyle and is a health advocate for those suffering from thyroid disease and environmental illnesses.

Helpful tools and resources
The Best Mortgage Experience logo
The Best Mortgage Experience
First-time homebuyer’s guide logo
First-time homebuyer’s guide
Mortgage calculators logo
Mortgage calculators
Loan options logo
Loan options

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