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 Branch Manager

Vicki Chana is your Greenwood Village local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Vicki 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 Vicki at  for more information!

Vicki Chana at Rate (NMLS #694512)

Deborah Gustafson, one of America's premier mortgage professionals, specializes in working with leading real estate agents to qualify buyers for a wide variety of home mortgage products. She annually arranges for million of dollars worth of home loans and has gained a a reputation for offering around-the-clock customer service. By understanding the needs of her clients and providing extraordinary service, Deborah consistently makes every effort to saves clients money and time by swiftly approving loans catered to their specific needs. Savings, if any, vary based on consumer’s credit profile, interest rate availability, and other factors. Contact Rate, Inc. for current rates. Restrictions apply.

VP of Mortgage Lending

Deborah Gustafson is your Greenwood Village local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Deborah 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 Deborah at (720) 696-3690 for more information!

Deborah Gustafson at Rate (NMLS #260066)

Senior Loan Officer

Del Van Essen is your Greenwood Village local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Del 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 Del at (303) 376-9325 for more information!

Del Van Essen at Rate (NMLS #777172)

As your dedicated Rate Loan Officer, I am committed to streamlining the mortgage process, ensuring that your home loan journey is both straightforward and accessible, from the initial application to the final closing. My priority is to empower you with comprehensive knowledge throughout the mortgage transaction, ensuring that you are fully informed about your options and confident in your chosen loan program. Whether you're a first-time homebuyer or a seasoned homeowner, you can rely on me and my team to address all your home financing needs. Please don't hesitate to reach out using the contact information provided on this page, and utilize this website as a valuable resource as you embark on your home financing journey. As an avid real estate investor myself, I find immense joy in collaborating with fellow investors to strategize and navigate the dynamic landscape of the real estate market. Whether it's through discussions, consultations, or classes, I am deeply passionate about leveraging my experience to assist others in achieving their investment goals.

Seth Van Essen is your Greenwood Village local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Seth 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 Seth at (303) 681-5313 for more information!

Seth Van Essen at Rate (NMLS #777173)

My goal is to help my clients achieve their real estate objectives without the stress or obstacles often associated with the financing process. Communication is a lost art and it is the key to a successful transaction! I keep everyone informed throughout the entire process and we move to make your transaction a celebration of achievement.  
As a military spouse of 26 years, along with our son who just joined the service as well, I am passionate about helping our military families. My experiences greatly supplement my mortgage expertise. I always say, I do this job personally and professionally. Working with someone who understands the lifestyle can make your experience that much easier.  
My business is built upon referrals from the many gratified customers whom I have had the pleasure of serving throughout my career. Helping others achieve, or strengthen, their American Dream of home ownership represents my ultimate objective.

Lori Andrew is your Greenwood Village local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Lori 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 Lori at (303) 285-1620 for more information!

Lori Andrew at Rate (NMLS #834814)

Elizabeth O'Neil: VP of Mortgage Lending at Rate




With a passion for empowering individuals on their homeownership journey, Elizabeth O'Neil serves as the Vice President of Mortgage Lending at Rate. Drawing upon years of expertise in the mortgage industry, Elizabeth has become a trusted advisor, guiding clients through the complexities of home financing with a commitment to excellence. As a seasoned professional, Elizabeth brings a wealth of knowledge to her role, specializing in crafting tailored mortgage solutions that align with each client's unique financial goals. Her dedication to providing exceptional service has earned her a reputation for reliability and integrity within the real estate community.  
Elizabeth's journey in the mortgage industry has been marked by a relentless pursuit of excellence. Prior to her current role, she successfully navigated various roles within the financial sector, honing her skills and building a robust understanding of the intricacies of mortgage lending. Her ability to stay ahead of industry trends and adapt to market dynamics positions her as a valuable asset to both clients and colleagues.

Elizabeth O'Neil is your Greenwood Village local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Elizabeth 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 Elizabeth at (303) 861-2672 for more information!

Elizabeth O'Neil at Rate (NMLS #1316633)

Greenwood Village

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6 Loan Officers Greenwood Village, CO