Since beginning her career nearly three decades ago auditing a large financial institution’s mortgage department, Tina Ellis has enjoyed a lifelong passion for helping people achieve homeownership. Early in her career, she observed how loan officers assisted families through one of the most important purchases of their lives. With her natural problem-solving ability and keen attention to detail, she soon transitioned into lending herself, discovering that guiding borrowers through the loan process was as satisfying as solving a complex puzzle.
Today, as vice president of mortgage lending at Guaranteed Rate Affinity, Ellis works with a team of finance professionals who rely on her steady leadership and unwavering commitment to excellence. Known for her professionalism, compassion and responsiveness, she focuses on clear communication and education.
Ellis’ auditing background continues to inform her success. By catching details early and anticipating potential issues, she ensures a smooth path to closing. Clients appreciate her hands-on approach and her ability to make even the most complicated transactions feel manageable.
With nearly 30 years in the industry, Ellis has weathered countless market shifts, always maintaining a thriving business built largely on referrals from past clients and trusted real estate partners. Her expertise spans reverse mortgages, conventional, FHA, VA and jumbo products, as well as HELOC financing. She always carefully matches each option to a borrower’s unique goals.
Beyond the office, Ellis finds joy in family and balance. Her proudest accomplishments include guiding her children through college and into successful careers. When she isn’t assisting clients, she enjoys yoga, mahjong, decorating, gardening, traveling and exercising — pursuits that reflect the same focus and care she brings to her work every day.
Guaranteed Rate Affinity, Inc. is a private corporation organized under the laws of the state of Delaware. It has no affiliation with the U.S. Department of Housing and Urban Development, the U.S. Department of Veterans Affairs, the U.S. Department of Agriculture or any other government agency.

