As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.





This individual is unlicensed in the State of Georgia, has submitted a license application to the Georgia Department of Banking and Finance, and the Department may grant or deny this individual’s license application.

Producing Regional Manager

Ben Waldrop is your Birmingham local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Ben is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Ben at (678) 878-7120 for more information!

Ben Waldrop at Rate (NMLS #472046)

I am a native to Athens, GA and have grown up around the mortgage business. I graduated from the University of Alabama in 2021. I am very passionate about helping others achieve their dream of homeownership. Trust and communication are important to this process and the relationship with a mortgage lender and I strive to always meet those and any other expectations. Contact me today to get started on your journey!

AVP of Mortgage Lending

Reagan Grace Usher is your Birmingham local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Reagan is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Reagan at (706) 247-8060 for more information!

Reagan Grace Usher at Rate (NMLS #2391431)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Producing Partnership Branch Manager

Trey Horton is your Birmingham local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Trey is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Trey at (205) 539-1068 for more information!

Trey Horton at Rate (NMLS #208824)

VP of Mortgage Lending

Stephen Atkinson is your Birmingham local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Stephen is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Stephen at (205) 539-1085 for more information!

Stephen Atkinson at Rate (NMLS #1919059)

Erick Kidd is your Birmingham local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Erick is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Erick at (205) 539-1083 for more information!

Erick Kidd at Rate (NMLS #1671029)

Birmingham

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5 Loan Officers in Birmingham, AL