Kyla is a Guaranteed Rate Presidents Club member, and currently ranked in the Top 1% of Loan Originators in America.     I enthusiastically entered the mortgage business immediately after graduation from Hofstra University in 1995. I became a member of our nationally recognized competitive dance team and entered college as a pre-med student, studying to be an orthopedic surgeon. Instead of med school, I was granted the opportunity to have the chance to change peoples lives through home ownership. I was fortunate to learn from the best, many of which are still my colleagues today. I witnessed how an industry I quickly grew to love was littered with such a lack of integrity. This further inspired me to become a student of my profession, and always "do the right thing" by my clients when others didn't. Consequently, 20 years later and with a squeaky clean lending and moral reputation, every decision I make and conversation I have is always driven with the best interest of my clients, always.  I was born and raised in Northern NJ and have lived in Hoboken for the last 15 years. I love my community and am very immersed in it, both personally and professionally. Overall health, personal development, wellness enthusiast, life coach, and Mortgage Veteran are often my taglines. Avid sports fan, wine enthusiast, coach, cook, carpenter, certified AQHA equestrian, retired music video choreographer and golfer who doesn't golf enough but does have a hole in one!

Senior Vice President of Mortgage Lending

Kyla DeMarzio is your Palm Beach Gardens local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Kyla 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 Kyla at (973) 939-8671 for more information!

Kyla DeMarzio at Guaranteed Rate (NMLS #90199)

Jim Giacone grew up in New Jersey and graduated from Penn State University before moving to South Florida over 25 years ago. Jim has worked in the mortgage industry for 25+ years, helping thousands of families finance the home of their dreams and funding over a billion in residential mortgages. He has had a long\-standing history of serving the Palm Beach community as a reliable mortgage lender, earning the trust and respect of many top local builders and real estate agents. With his years of experience and in\-depth knowledge of loan products, secondary markets and underwriting guidelines, Jim and his team make the loan process easy to understand and put their customers at ease during each step of the process. Jim's success comes from his commitment to superior service, integrity, ethics and building client relationships for life. He builds these relationships from the start by educating his clients and helping them find mortgage solutions that meet their unique and individual needs. Jim specializes in financing single family homes, townhomes and condos in Palm Beach, Broward, Miami, Dade, and Martin counties, as well as the rest of Florida. His focus is Florida but is also licensed in New Jersey, New York, and Pennsylvania. He has extensive knowledge of FHA, VA, conventional and Jumbo financing options. His clients range from first\-time homebuyers to self\-employed clients purchasing million\-dollar second homes, and his business is built 100% on referrals – from raving\-fan clients to top realtors, attorneys, and financial planners. Throughout his professional career, he has received numerous top sales and leadership awards. He is currently in the Top 1% of Loan Originators nationwide and has been named a Top Producer by National Mortgage News in 2018. He joined Guaranteed Rate in late 2012 and has been a member of the President's Club for since 2015. Beyond serving his clients, Jim enjoys playing golf, playing drums in his church's worship band, working in the garden at his home and traveling with his wife.

Branch Manager/SVP of Mortgage Lending

Jim Giacone is your Palm Beach Gardens local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Jim 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 Jim at  for more information!

Jim Giacone at Guaranteed Rate (NMLS #174500)

Buying a home or refinancing is a serious financial endeavor and market conditions can change quickly, so utilizing an experienced mortgage lender is key. As a Loan Officer with over 25 years experience, I have the expertise to advise you on your financial options for your mortgage or home refinance. My goal is to assist you make the right choice for you and your family, and I am committed to providing you customer service that exceeds your expectations. As your Loan Officer, we also look out for you by ensuring you get a competitive rate. Our cutting-edge technology has streamlined the mortgage process and simplified every step of the way for you. Check out my website, or give me a call so I can get you in the right program to suit your needs!



Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information.

AVP of Mortgage Lending

Jennifer Veit is your Palm Beach Gardens local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Jennifer 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 Jennifer at (561) 229-1836 for more information!

Jennifer Veit at Guaranteed Rate (NMLS #415687)

As your trusted Guaranteed 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.

VP of Mortgage Lending

Val Dragutinovic is your Palm Beach Gardens local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Val 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 Val at (754) 229-4701 for more information!

Val Dragutinovic at Guaranteed Rate (NMLS #2003307)

Erich specializes in lending to self employed and High Net Worth clients, conforming, jumbo, FHA and VA mortgages. Whether you're a first time homebuyer, need to expand or downsize or are looking for a second home, Erich is here to help you find the right mortgage to fit your needs. Starting with a review of your finances, Erich can help you get a clear picture of what might work best for you and will explain your options. With his proven track record and dedicated team, he will deliver an experience in a timely and streamlined manner.

Erich Leonhardt is your Palm Beach Gardens local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Erich 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 Erich at (561) 818-0536 for more information!

Erich Leonhardt at Guaranteed Rate (NMLS #415171)

As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, I am 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 me for more information!

Sung Kim is your Palm Beach Gardens local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Sung 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 Sung at (571) 278-6029 for more information!

Sung Kim at Guaranteed Rate (NMLS #195116)

VP_DE_PRéSTAMOS_HIPOTECARIOS

Maria Theros is your Palm Beach Gardens local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Maria 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 Maria at (651) 564-0602 for more information!

Maria Theros at Guaranteed Rate (NMLS #1206161)

Tycia Lindsey is your Palm Beach Gardens local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Tycia 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 Tycia at (617) 532-2009 for more information!

Tycia Lindsey at Guaranteed Rate (NMLS #1119963)

Jeannine Henrion is your Palm Beach Gardens local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Jeannine 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 Jeannine at (561) 812-5739 for more information!

Jeannine Henrion at Guaranteed Rate (NMLS #237149)

Associate VP of Mortgage Lending

Sahley Bourgault is your Palm Beach Gardens local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Sahley 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 Sahley at (561) 226-4234 for more information!

Sahley Bourgault at Guaranteed Rate (NMLS #2393189)

Vice President of Mortgage Lending

Eric Depp is your Palm Beach Gardens local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Eric 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 Eric at (561) 229-1835 for more information!

Eric Depp at Guaranteed Rate (NMLS #434316)

As a mortgage originator in Florida for more than 30 years, I have closed thousands of mortgage transactions and worked with two of the top builders in Florida. I have extensive knowledge in all loan types including FHA, VA and Jumbo loans. My main focus is customer service and helping people achieve their dream of home ownership.


*Guaranteed Rate has no affilliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.*

Sandra Barrett is your Palm Beach Gardens local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Sandra 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 Sandra at (561) 670-6405 for more information!

Sandra Barrett at Guaranteed Rate (NMLS #271191)

VP of Mortgage Lending/Reverse Mortgage Specialist

James Kelly is your Palm Beach Gardens local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, James 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 James at (561) 207-7345 for more information!

James Kelly at Guaranteed Rate (NMLS #506585)

Palm Beach Gardens

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13 Loan Officers in Palm Beach Gardens, FL