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Wrong Debra Shultz?

Ms. Debra Shultz

Senior Vice President of Mortgage Lending

Guaranteed Rate , Inc.

Direct Phone: (212) ***-****       

Email: d***@***.com

Guaranteed Rate , Inc.

3940 N. Ravenswood

Chicago, Illinois 60613

United States

Company Description

We offer the lowest rates and fees available on a full menu of proprietary programs combined with knowledgeable loan officers that will get the job done. Guaranteed Rate has 400 employees in 10 offices and currently services 1100 Realtor partners in 30 st ... more

Find other employees at this company (4,403)

Background Information

Employment History


The Manhattan Mortgage Company

Managing Director and Senior Mortgage Consultant
Family Home Finance


Certified Mortgage Advisor
CMPS Institute of Michigan


Bachelor's Degree
Business Administration & Marketing
Hofstra University

Web References (192 Total References)

Peter Comitini of The Corcoran Group; boutique marketing for Manhattan and Brooklyn real estate: luxury apartments, condos, co-ops, townhouses, mixed-use buildings, and investment properties

www.comitini.com [cached]

According to Debra Shultz at Manhattan Mortgage, rates today for a 30 year fixed conforming mortgage (up to $417K) is 5.25%; and the rate for a 30 year "high balance" mortgage (up to $625K) at 5.5%.

Manhattan luxury real estate. | LUXURYBLURB

www.luxuryloft.com [cached]

Borrowers backed by FHA are essentially buying mortgage insurance, said Debra Shultz, managing director at Manhattan Mortgage Company Inc. in New York. Buyers pay an upfront premium of 2.25 percent of their loan value, and a monthly fee equal to about 0.5 percent of the loan amount for at least five years, she said.

The agency doesn't require a minimum credit score for the mortgage insurance, though many lenders who fund the loans insist on a rating of at least 580, said Shultz.
Shultz, whose Manhattan Mortgage has sourced FHA loans for buyers in Brooklyn, the borough of Queens and on New York's Long Island, said the last month brought a sudden surge of calls from would-be buyers seeking FHA insurance for Manhattan purchases.
"It's definitely breaking through to the Manhattan market," she said.

The Upper East Side Book: Third Avenue: Manhattan House: 200 East 66th Street

www.thecityreview.com [cached]

"Most lenders have completely changed their loan-to-value guidelines," said Debra Schultz, director and senior mortgage consultant at Manhattan Mortgage Co., the largest residential mortgage broker in New York. 'If you want to borrow 90 percent on a $3 million to $4 million property, they want no part of it.' Schultz said that many of her wealthy clients cannot get financing from commercial banks, forcing her to use private lenders, which include hedge funds and the private banking departments of many investment banks.

Peter Comitini of The Corcoran Group; boutique marketing for Manhattan and Brooklyn real estate: luxury apartments, condos, co-ops, townhouses, mixed-use buildings, and investment properties

www.comitini.com [cached]

According to Debra Shultz at Manhattan Mortgage, rates today for a 30 year fixed conforming mortgage (up to $417K) is 5.25%; and the rate for a 30 year "high balance" mortgage (up to $625K) at 5.5%.

Premier Mortgage, Refinancing Provider - The Manhattan Mortgage Company

www.manhattanmortgage.com [cached]

Debra Shultz

Debra Shultz
TOP 150 ORIGINATORS LIST-2010 (Origination News)
President's Club 2009 - 2011; Top Ten 2009 - 2011
Knowing most borrowers have limited spare time, Debra delivers white glove service & holds the hand of each & every client from pre-approval to closing. She starts with a complimentary consultation in which she extensively analyzes their income, assets, debt & credit profile. Next, she counsels them on their ability to qualify for a mortgage loan & the product that best suits their current & future financial & personal needs. Last, but certainly not least, she educates them on the reasons behind the product they chose & the wonderful benefits they can expect to reap as a homeowner. Her winning formula is her nurturing personality!
Debra is a Director at The Manhattan Mortgage Company and an accomplished Senior Mortgage Consultant with 10+ years of sales, marketing & operations experience. She's an expert in residential & commercial mortgage financing for all property types, including 1-4 FAM, condos, coops, condops, condotels, new developments, new construction, conversions, mixed use, & true commercial. She has strong relationships with many of the nation's top wholesale lenders & is sought after by industry leaders for focus groups, pilot programs, software beta testing, & product opinions.
Debra is also an expert in mortgage financing for international buyers. Debra has worked with buyers from all around the world. She most recently closed transactions for buyers from the UK, France, Italy, Spain, Germany, South Africa, Dubai, Saudi Arabia, Russia, Japan & China. She has US & European product options for non-U.S. citizens looking to purchase residential primary residences, second homes & investment properties. Product features include, but are not limited to, interest only payments, multiple currency payment options, collateralization of personal assets rather than the real estate, no income verification, 100% financing, title held in the name of an LLC, & off shore servicing of the mortgage. She has extensive knowledge of overseas currencies & sources of income & assets, and has resources for the certification & translation of foreign documentation. On top of being fluent in English, Debra is also learning French. She also works closely with a team of Manhattan Mortgage account executives that speak fluent French, Italian, Spanish, Portuguese, German, Romanian, Hebrew and Farsi. If you require a translator for a language not listed, Debra can accommodate via an outside translation service.
Debra is assigned to cover certain branch offices of a top Manhattan Real Estate company. She spends time speaking on panels, delivering presentations on the current market, mortgage products & rates, and other topics important to real estate professionals, leading round table discussions, & offering one on one time for individual agents. She supports her agents by hosting their open houses, creating "Rent vs Buy" & "Purchase Costs Analysis" sheets, pitch kits for new developments, personalized marketing pieces for individual agents, and of course delivering extraordinary service to their clients. Her core business partners include real estate agents, attorneys, developers, contractors, CPA's/accountants, CFAs, insurance brokers & of course, her past clients.
Debra graduated Summa Cum Laude from Hofstra University in 1993 with a Bachelor's Degree in Business Administration & Marketing. In August of 2007, she graduated from the CMPS Institute of Michigan as a Certified Mortgage "Advisor".
Debra brings a financial "edge" to her clientele. She incorporates five essential skill-sets into each transaction:
Today, Debra is headquartered out of our Lexington Avenue office. She's focused on the Manhattan market, while continuing to maintain & grow the relationships she's forged outside of The Big Apple. In her leisure time, Debra enjoys living in and exploring New York City, volunteer work, learning the guitar, football season, Broadway, museums, all types of music & furthering her education. Debra actively pursues an organic & holistic lifestyle. Debra is personally registered as a mortgage originator in the states of NY, NJ, CT & FL. She can also originate loans through The Manhattan Mortgage Co., Inc. in the states of MA, NH, & VT, and through The Manhattan Mortgage Company in CA. Please also ask Debra about loans in the states of PA, CO, ME, AK & HI.

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