Real Estate Services Leadership

Guaranteed Rate Affinity
Ralph Melbourne

Ralph Melbourne

As Managing Director of Guaranteed Rate Affinity, Ralph Melbourne is responsible for the entire loan origination lifecycle and all aspects of growth and profitability, including strategy, sales, marketing, product management, business development, comprehensive client management, business planning and financial performance.

“What motivates me is being able to build a team of people who are passionate about their work—then empowering them to do their jobs,” explains Melbourne. “It was a privilege to have been part of the team that created Guaranteed Rate Affinity, and I love every opportunity to get the message out about our incredible brand. This is critical from both an external and internal standpoint. Our people are the foundation of the business, so it’s important for them to understand and embrace the vision.”

Melbourne possesses more than 35 years of financial services industry experience. He previously served as SVP of real estate for PHH Mortgage and oversaw the company’s joint venture with Realogy. Melbourne has held several other senior sales and leadership roles with major financial services companies. He spent the first decade of his career in real estate in a variety of roles, from residential and commercial appraiser to branch manager to VP of residential and commercial loan originations for a company he co-founded.

“I believe Guaranteed Rate Affinity has the best value proposition in the industry,” states Melbourne. “Our partnership with Realogy, a global leader in residential real estate franchising and brokerage, provides us with a unique opportunity to build strong relationships with agents across the country. When you add this to Guaranteed Rate’s incredible platform of industry-leading products, pricing, process and marketing, it’s a hard combination to beat. Our challenge is to grow the business, and with these tools in our arsenal, I’m confident that the sky is the limit.”

Melbourne and his wife of 34 years, Regina, have two sons, Ralph Christopher and John. An active member of Grace Episcopal Church in Hinsdale, he also serves as a governing member of the Chicago Zoological Society and Brookfield Zoo. Melbourne is a graduate of the University of New Mexico, where he played football.

“Homeownership truly is part of the American dream, and helping people get into a home is very satisfying,” says Melbourne. “I view everyone who works at Guaranteed Rate Affinity as a teammate in this mission. I’m confident that together we can accomplish something special.”