Kyla is a 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 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 Rate (NMLS #90199)

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 Rate for current rates and for more information.

VP of Mortgage Lending

Jennifer Veit is your Palm Beach Gardens local lender. As a loan officer at 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) 346-6987 for more information!

Jennifer Veit at Rate (NMLS #415687)

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 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 Rate (NMLS #415171)

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.

Vice President of Mortgage Lending

Eric Depp is your Palm Beach Gardens local lender. As a loan officer at 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) 315-0113 for more information!

Eric Depp at 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.




*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 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 Rate (NMLS #271191)

Once I went into lending, I never looked back! It has been over 30 years since I began my career in mortgage lending, and I am still excited each and every day to assist and support families in their pursuit of home ownership. Originally from New Jersey, my husband and I have been here for 33 years, and we raised 3 children and most recently welcomed our first grandchild. We love the water, and we love the mountains where our getaway is located. While everyone is unique in their needs, my years of experience have given me the advantage of foresight and ideas to assist families in both preparing for and applying for a home loan. I look forward to working with all buyers and educating first time homebuyers on how to best prepare for purchasing and owning a home. Let's get started!

Producing Branch Manager

Carol Abramczyk is your Palm Beach Gardens local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Carol 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 Carol at (561) 245-6658 for more information!

Carol Abramczyk at Rate (NMLS #659541)

Palm Beach Gardens

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6 Loan Officers Palm Beach Gardens, FL