Raquel Munoz-Rivera
VP of Mortgage Lending at Guaranteed Rate Affinity, LLC · Riverside, CA
NMLS ID 289763 (opens in a new tab) · verify at NMLS Consumer Access
Raquel Munoz-Rivera (NMLS 289763) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Riverside, CA. Licensed in Florida, confirmed with the state regulator (license LO124092). Also lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Bank statement loan, Real estate investor, VA loan and First-time buyer. Earliest state license record: November 8, 2023 (Florida), per state regulator. States 30 years of experience.
Last verified . Sources: Guaranteed Rate Affinity, LLC (grarate.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: November 8, 2023 (Florida), per state regulator
- 30 years experience (stated)
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 2 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
- Focus: Bank statement loan(from their lender profile page)
- Focus: Real estate investor(from their lender profile page)
- Focus: VA loan(from their lender profile page)
- Focus: First-time buyer(from their lender profile page)
Where we saw these: grarate.com (opens in a new tab)
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO124092, first effective 2023-11-08), verified 2026-10-15.
Lender-reported: CA is listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Guaranteed Rate Affinity, LLC NMLS 1598647
Current · Riverside, CA · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Raquel Munoz-Rivera has 30 years of experience and focuses on first-time homebuyers, veterans, No Tax Return loans and investors in Florida and California.
Our summary of the lender page. Verified 2026-10-15.
- Serves
- North Florida, Jacksonville, St. John's County, Palm Coast
- Source (opens in a new tab), verified 2026-10-15
- Serves
- Southern California, Riverside, Orange, LA and San Diego Counties
- Source (opens in a new tab), verified 2026-10-15
Sources
| Name and employer | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-15 |
| Licensed states | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Specialties | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Summary | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Contact | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Photo | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Raquel Munoz-Rivera (NMLS 289763), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/raquel-munoz-rivera-289763, last verified 2026-10-15.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.