JD Cortese has been a mortgage industry leader for the past 25 years. He keeps actively involved in the communities he works and lives in; with membership in the Barrington Chamber of Commerce, the Bucktown Community Organization, Lakeview Chamber of Commerce, Board member of the Midtown Educational Foundation, and the Old Town Chamber of Commerce. JD is also an accredited member of The Veterans Advocacy & Benefits Association. Each year JD supports the Jackson Chance Foundation with their annual Ping Pong Ball in the fall. An alumnus of Purdue University, JD is an annual sponsor of multiple Purdue Alumni Association events such as the John Purdue Club Mollenkiof-Keys Classic and Purdue Alumni Club of Chicago Golf Outing Fundraiser. As a student, JD was the Student Council Treasure, and member of the Men's Rugby Club, which competes in the Big Ten Universities Rugby Conference. He also continuously keeps abreast of changes in the mortgage industry with membership with the National Mortgage Brokers Association, Illinois Mortgage Bankers Association, and Florida Association of Mortgage Brokers. In addition to personal licensing in 46 major real estate states: Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Washington DC, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee Texas, Utah, Virginia, Vermont, Washington, Wisconsin, Wyoming. He can also help buyers finance in all 50 states. With $100 Million average yearly volume, 100% customer satisfaction in 2008 - 2018, and experience as a practiced real estate investor, JD can offer the knowledge you need and the customer service you want in your mortgage lender. JD's team members include: Sofie Damgren, Loan Coordinator; Reilly O'Toole, Sales Manager; Mallory Pickford, Sales Assistant and Stephen Bender, Marketing Assistant.

Branch Manager/SVP of Mortgage Lending

JD Cortese is your Naples local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, JD 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 JD at (773) 255-1523 for more information!

JD Cortese at Rate (NMLS #88862)

Successfully originated and closed over 3 Billion in residential mortgages. Consistently ranked in the top 1% of mortgage originators in the country. Featured in articles in the Wall Street Journal, Bankers and Tradesman, Scottsman Guide and Mortgage Originator Magazine. 25 years of experience.

SVP of Mortgage Lending

Tom Digan is your Naples local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tom 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 Tom at (781) 202-9067 for more information!

Tom Digan at Rate (NMLS #22351)

Thanks for taking the time to read my profile. I've been in the mortgage industry for 25 years. I was a former commodities trader in the 10 year treasury note pit for 16 years. When I decided to leave, I had many friends who were in the mortgage industry. They persuaded me to join them, noting that I enjoyed working with people as well as being a "numbers person". The fit was perfect, and I'm really glad I made the move. I attended Barrington High School in Barrington, Illinois and later attended Southern Methodist University in Dallas, Texas. I was a finance major at SMU, which is where I gained interest in the financial industry. Upon graduation, I started my career as a "runner" down at the exchange, and I knew from that point on that my future would always be in the financial industry. Currently, I live in Estero, FL., where I've lived since 2020. I enjoy playing poker, and watching any Chicago sports team play. I was a former ice hockey player in high school and college, so I especially enjoy watching the my favorite Chicago hockey team. I've been married to my wonderful wife, Carrie, for 15 years.

VP of Mortgage Lending

SVP_DE_PRéSTAMOS_HIPOTECARIOS

Robert Hathorne is your Naples local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Robert 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 Robert at (312) 379-3558 for more information!

Robert Hathorne at Rate (NMLS #225534)

Joel Schaub is your local Chicago Fan Mortgage Man. For the past 16 years, Joel has been at Rate generating almost $1 Billion in Sales. He ranks in the Top 1 % of all Loan Officers in the country according to Scotsman Guide 2019: Ranking in the top 10 for Illinois. He prides himself on his Givers Gain philosophy and implements it in his community. He is a season ticket holder for the Cubs, married to his best-friend: Christine, loves Jeopardy, and has a King Charles Cavalier named Louie.

Joel Schaub at Rate (NMLS #224512)

I began my career as a mortgage loan officer in 1987 with the goal of helping every borrower experience the Ultimate American Dream of becoming a homeowner. Nearly 3 decades later I still begin every work day with the same goal that every borrower deserves the opportunity to own a home. Born and raised in the suburbs of Cincinnati Ohio, I began my career in sales calling on Realtors for their buyers and sellers referrals and was able to build a large referral networking system. My experience ranges from being a Mortgage Loan Officer, Branch Manager, Vice President of Mortgage Lending, FHA DE Underwriter as well as closing loans.  My husband Jeff and I reside in both our Pierce Township, New Richmond, Ohio river home and our home near Englewood Florida and the beautiful Gulf of Mexico where we enjoy boating, fishing and Kayaking year round.

Samanthia Helton is your Naples local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Samanthia 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 Samanthia at (513) 258-2513 for more information!

Samanthia Helton at Rate (NMLS #728223)

Rick Elmendorf, a nationally renowned VA loan expert, has a deeply rooted connection to the military community. Born in Bangkok, Thailand, in 1969 while his father was serving as an Air Force pilot in Vietnam, Rick's life has been intertwined with the military from the very beginning. You can find Rick on YouTube at [www.youtube.com/rickelmendorf](http://www.youtube.com/rickelmendorf) which has a library of videos on Real Estate, Homebuying and using VA Home Loan benefits.


At the age of 22, Rick embarked on his journey in the mortgage business. He started his career in a humble garage, working for a small brokerage company in Cantonsville, MD. In those early days, the absence of advanced technology compelled him to gain an in-depth understanding of mortgage banking, delving into every aspect of the industry. Early on, Rick had a fanatical drive to become one of the best loan officers in the nation with a specific focus on VA Home Loans.


Rick's family history and his own experiences have instilled a strong commitment to serving the military community. His father, after completing his military service, became a highly successful financial planner with USPA & IRA, currently First Command Financial Planning. His particular focus was always on helping military families achieve financial stability and success. Rick soon joined his father in this mission, engaging with clients and agents on the financing side and it wasn't long before he developed a deep affection for his military clientele.  
Incorporating the core values of the military into his own business, Rick adopted the principles of honor, service, duty, excellence, and teamwork. These values have been the foundation of his approach to serving his clients.


To this day, Rick and his team provide a top-tier mortgage experience that not only honors the military but also delivers on the promises made to those who have served. [5 minute approvals](https://apply.guaranteedrate.com/apply/loan-purpose?emp-id=34253), the unique Excel Purchase Calculator and his VA 'Offer Accepted' strategy are just a few of the unique benefits he offers his clients.


It's with immense gratitude that Rick Elmendorf and his team has consistently ranked in the top 1% of Loan Officers nationwide since 2000, a testament to their unwavering commitment and expertise. Rick is not only a respected VA loan expert but also an accomplished author, having penned two books: "The Loan Officer Revolution" and his latest e-book, "3% Lower." His knowledge and dedication to serving veterans and military families make him a trusted resource in the mortgage industry.  
If you're looking for a VA loan expert who understands the unique needs of military families, whether it's a VA Loan for a PCS to another duty station or you are a Veteran looking to purchase a new home with your VA Home Loan Benefits, Rick is dedicated to providing the best mortgage experience possible. Low mortgage rates with especially low [VA Loan Rates](https://www.rate.com/lp/mortgage-rates-table?loid=34253&emp-id=34253)!


Rick Elmendorf and his team are here to serve you.


The Elmendorf Team:  
Jake Elmendorf (NMLS# 2092422) | Simi Van Scoy (NMLS# 2452341) | Lori Gibson (NMLS# 211254) | Troy Calvert (NMLS# 1470162) | Steven Johel (NMLS# 2151848) | David Kontsevenko (NMLS# 1968174) | Natasha Anderson (NMLS# 1019958)

Rick Elmendorf is your Naples local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Rick 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 Rick at (239) 237-0102 for more information!

Rick Elmendorf at Rate (NMLS #485091)

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.

Steve Robertson is your Naples local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Steve 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 Steve at (813) 981-6769 for more information!

Steve Robertson at Rate (NMLS #292908)

With over two decades of experience in the real estate, mortgage, and insurance industries, Kimberly R. Lang is a dedicated mortgage loan originator at Rate. For the past seven years, she has helped clients navigate the home financing process with expertise and personalized service.


Before transitioning into mortgage lending, Kimberly was a successful Realtor with Keller Williams Realty from 2005 to 2018, guiding buyers and sellers through real estate transactions. Prior to that, she co-owned an insurance agency in Cedar Rapids, Iowa, with her husband, David Lang, from 1999 to 2005.


Kimberly's diverse background in insurance, real estate sales, and mortgage lending gives her a comprehensive understanding of homeownership and the many factors involved in becoming a homeowner. Her expertise allows her to educate clients not only on financing options but also on the broader responsibilities of owning a home, from securing the right insurance coverage to making informed real estate decisions.


Kimberly is helped by Georgiy The Mortgage Cat, whose superb acumen in the mortgage business makes him a purr-fect addition to the team, ensuring every client experience is simply the cat's meow while adding personality to the office.


Beyond her career, Kimberly is an avid reader of World War II history and has extensive knowledge of Winston Churchill. She plans to take a dedicated Churchill tour in the UK to further explore his legacy and impact.


Kimberly is also the Vice President of her local BNI chapter, where she helps foster business relationships and professional growth within her community.


She has been married for 31 years, is a proud mother of two grown children, and adores spending time with her three grandchildren.


Though she has called Fort Myers home since 2005, Kimberly spent many years in Florida growing up. She later ventured to Iowa, where she found herself a Yankee husband before eventually making her way back to the Sunshine State.


Based in Fort Myers, FL, Kimberly is passionate about helping individuals and families achieve their homeownership goals by providing knowledgeable guidance and tailored financial solutions.

Kimberly Lang is your Naples local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kimberly 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 Kimberly at (239) 823-1616 for more information!

Kimberly Lang at Rate (NMLS #1741168)

Sandy Stephens is your Naples local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Sandy 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 Sandy at (239) 317-0575 for more information!

Sandy Stephens at Rate (NMLS #460202)

Linda Culotta is your Naples local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Linda 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 Linda at (239) 237-0109 for more information!

Linda Culotta at Rate (NMLS #213838)

Tom Ulrich is your Naples local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tom 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 Tom at  for more information!

Tom Ulrich at Rate (NMLS #404854)

VP_DE_PRéSTAMOS_HIPOTECARIOS

Letty Gutierrez is your Naples local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Letty 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 Letty at (239) 398-0971 for more information!

Letty Gutierrez at Rate (NMLS #436257)

Patricia Grinceri is an experienced loan officer with 13 years in the financial industry. Originally from Argentina, Patricia began her journey in the mortgage sector in 2012. Her background and dedication have equipped her with in-depth knowledge of loan products, financial planning and personalized client services.


With strong commitment to helping individuals and families achieve their homeownership goals, Patricia has built reputation for her professionalism, integrity, and effectively serving a diverse clientele-centered approach. Her international perspective and bilingual abilities enable her to effectively serve a diverse clientele, providing tailored financial solutions that meet their unique needs.


Patricias passion for guiding clients through the loan process, combined with her recognition understanding of lending practices, has earned her recognition as a trusted advisor in the mortgage field.


When she is not assisting clients, Patricia enjoys connecting with her community and staying informed about the latest industry trends to continue providing exceptional service. Whether you are a first -time homebuyer or a seasoned investor, Patricia is dedicated to making your mortgage experience smooth and successful.

Patricia Grinceri is your Naples local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Patricia 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 Patricia at (239) 260-6344 for more information!

Patricia Grinceri at Rate (NMLS #1529871)

Naples

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13 Loan Officers Naples, FL