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.

VP of Mortgage Lending

Janet Jones is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Janet 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 Janet at (941) 468-4296 for more information!

Janet Jones at Rate (NMLS #432210)

Todd Martin, Branch Manager/Vice President of Mortgage Lending, has been known for his expertise and commitment to making your dream home come true. Todd chose Guaranteed Rate because of their unwavering commitment to both the client and the business partner, as well as their industry leading mortgage products, competitive rates, and technology.  Todd believes in 100% customer satisfaction and getting prospective clients into their dream home. Todd's service is provided by him and his team through in-house processing, fast pre-qualifications, multiple investors to choose from and 24/7 online status updates available to both his clients and referral partners.  Todd works with clients from all over the world. Toddýs goal is always the same _ provide useful and reliable information so the customer can make an informed decision before entering into a real estate transaction. This includes providing estimates of what the monthly mortgage payment would be on a wide range of pre-approved prices, as well as estimating the closing costs and down payment needs so there are no surprises at closing.

Todd Martin, Branch Manager/Vice President of Mortgage Lending, has been known for his expertise and commitment to making your dream home come true. Todd chose Guaranteed Rate because of their unwavering commitment to both the client and the business partner, as well as their industry leading mortgage products, competitive rates, and technology. Todd believes in 100% customer satisfaction and getting prospective clients into their dream home. Todd's service is provided by him and his team through in-house processing, fast pre-qualifications, multiple investors to choose from and 24/7 online status updates available to both his clients and referral partners. Todd works with clients from all over the world. Toddýs goal is always the same _ provide useful and reliable information so the customer can make an informed decision before entering into a real estate transaction. This includes providing estimates of what the monthly mortgage payment would be on a wide range of pre-approved prices, as well as estimating the closing costs and down payment needs so there are no surprises at closing.


Applicant subject to credit and underwriting approval. Restrictions apply.

Branch Manager

Todd Martin is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Todd 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 Todd at (813) 574-2657 for more information!

Todd Martin at Rate (NMLS #659613)

Alex Perry is a VP of Mortgage Lending for Rate in Tampa/St. Petersburg. He is extensively trained as a mortgage-industry professional and has more than 16 years of experience helping customers purchase and refinance homes. Alex’s constant dedication to a transparent and ethical lending process are just a few of the reasons he makes such an impact in the mortgage industry and how he has established himself as one of the hardest working individuals in the industry.    Alex has found success in the mortgage business for many reasons but most notably for always putting the customer first.  Communication is essential during a purchase or refinance which is why every client will always be informed during their loan process. Alex’s goal is to simplify the mortgage experience for his customers and make the lending process easy to navigate. He and his team thoroughly educate borrowers, so they understand their options and feel comfortable moving forward with their chosen loan program.  He takes great pride in giving his clients the best loan programs at the lowest rates on Jumbo, VA, FHA, and Conventional mortgage products to satisfy their specific needs.    "As a Tampa Bay native, I have watched St. Pete, Tampa, and the beaches grow over the years. Living my entire life in the Tampa Bay area has allowed me to know and follow the local markets closely.  Financing your home is one of the largest, most important transactions one will ever make, and I look forward to helping my clients navigate the transaction while building lifelong relationships.”  Alex’s 24/7 service, dedication to his clients and commitment to excellence contribute to the list of reasons the area's top Realtors recommend him as their preferred lender.  This is also why Alex has many repeat clients and he continues to grow his business thanks to word-of-mouth referrals.  Alex graduated from the University of South Florida with a Bachelor’s Degree in Marketing, where he was an active member of the undergraduate community involved in numerous charitable and academic societies.  Outside of the office Alex enjoys watching sports such as college football, pro football, etc.  But really any competitive sport!  Alex is also active in supporting the extensive Veteran community in the Tampa Bay area.

Alex Perry is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Alex 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 Alex at (727) 362-6890 for more information!

Alex Perry at Rate (NMLS #177874)

I am a seasoned mortgage loan originator who has consistently been a top producer in the mortgage industry for over 30 years. I am able to draw on my extensive experience in various roles when working with my clients on their mortgage financing needs. I have a keen sense of the industry as well as expertise in a vast array of mortgage products thereby enabling me to offer creative solutions to borrowers. I am fortunate to be a Senior Vice President at Rate which will enable me to service more clients given our extensive product base as a leader in the industry. When not working, I am playing tennis or pickleball, riding my bike, swimming or occasionally relaxing.

SVP of Mortgage Lending

Carole Carlin is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Carole 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 Carole at (201) 591-1166 for more information!

Carole Carlin at Rate (NMLS #73944)

Eddie Beauduy is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Eddie 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 Eddie at (630) 301-1919 for more information!

Eddie Beauduy at Rate (NMLS #232864)

Brian Fletcher is a VP and Producing Branch Manager in the states of Florida and Texas. With over 17,000 published five star reviews from GR and Brian, you can trust with confidence that this is a group with substantial experience, fantastic service, and mortgage programs and rates that stand out against the competition. Brian is a consistent President's Club achiever, top 1% national producer, and consistent leader in the industry for over 28 years. He is the proud father of his four children, husband to his beautiful wife of 18 years, and is very involved at Lakewood Church, Champions Club, and in the communities where he serves. Brian also enjoys plenty of exercise, helping others, and making the most of every day with an incredibly positive attitude. You will always be able to find him when you need him, seven days a week- all hours of the day.

Producing Branch Manager

Brian Fletcher is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Brian 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 Brian at (813) 582-4682 for more information!

Brian Fletcher at Rate (NMLS #19449)

Jim Parker, Branch Manager at Rate, has been in the mortgage industry for over 30 years. Jim started his career in Rhode Island, as a CRA Loan Officer and then relocated to Florida in 1997, where he has since established deep roots in the Tampa Bay Area.





Jim has lead, coached and mentored several top producing teams over his career, funding over $600 Million in one year.





Jim has helped thousands of families achieve the dream of home ownership. As your trusted lender, his goal is to provide a World class Experience, to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. He takes pride in thoroughly educating his customers throughout the mortgage transaction, so they fully understand their options to feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner or investor, you can trust him and his team to give you honest advice with all of your home financing needs and with renovation financing you can turn a house the you like into a home that you love.





Jim gives back to the community by serving on the board of Housing and Education Alliance, Past President and current member of NAHREP (National Association of Hispanic Real Estate Professionals).





Jim and his wife Angel have a total of 4 children and 2 grandchildren, They are empty nesters now that their youngest daughter is attending the University of Central Florida. They value their family and prioritize it in both their personal and professional lives. In Jim's free time, he enjoys being on the golf course and spending quality time with his family at the beach.

Area Manager

GERENTE_DE_SUCURSAL_/_ESPECIALISTA_EN_RENOVACIONES

Jim Parker is your Tampa local lender. As a loan officer at 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 (813) 376-3602 for more information!

Jim Parker at Rate (NMLS #459726)

Angel Parker, Associate Vice President of Mortgage Lending at Rate, began in the mortgage business in 1997 first as a Mortgage Processor and then as a Loan Officer. She chose to work at Rate because of their industry leading mortgage products, competitive rates, and technology. Angel is passionate about helping prospective clients into their dream home and providing 100% customer satisfaction both during the purchase transaction and well after closing. She believes communication is key to a timely and smooth closing. Angel and her husband Jim, together have four beautiful children and 2 grandchildren, in addition to two adorable fur babies. In her free time, Angel enjoys watching football (GO FLORIDA!!) and spending time with her family. She and her team provide exceptional service through in-house processing, fast pre-qualification, multiple investors to choose from, and 24/7 online status updates available to both her clients and referral partners. Contact Angel Parker and her team to assist you with all of your mortgage lending needs.

Angel Parker is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Angel 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 Angel at (727) 353-3625 for more information!

Angel Parker at Rate (NMLS #457825)

Mackenzie Muder is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Mackenzie 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 Mackenzie at (941) 309-0563 for more information!

Mackenzie Muder at Rate (NMLS #1733918)

Kevin Devine is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kevin 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 Kevin at (813) 565-7464 for more information!

Kevin Devine at Rate (NMLS #1903927)

Walter Walding is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Walter 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 Walter at (352) 478-0283 for more information!

Walter Walding at Rate (NMLS #2311734)

AVP of Mortgage Lending

VP_DE_PRéSTAMOS_HIPOTECARIOS

Melissa Suarez is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Melissa 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 Melissa at (407) 782-7447 for more information!

Melissa Suarez at Rate (NMLS #1552346)

Bill Fallon is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Bill 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 Bill at (813) 498-2461 for more information!

Bill Fallon at Rate (NMLS #121636)

Sebastian Bolivar, VP of Mortgage Lending at Rate, is a Colombian-born, U.S.-raised mortgage expert on a mission to make mortgage financing clear, accessible, and transparent for every home buyer. Since 2018, he's helped over 550 families secure home financing, consistently earning 5-star reviews for his personalized approach.


His passion for the mortgage industry stems from his own family's experience losing their home during the 2008 crisis, after falling victims to a mortgage fraud scheme; a turning point that ignited his drive to protect others from similar hardships. That experience ignites his passion for helping others navigate the complexities of home financing, and drives his mission to make sure none of his clients or their families ever have to go through that experience but instead go through the real estate transaction fully educated on their costs, their loan program, and the benefits that homeownership and smart mortgage strategies can provide. With honesty, integrity, patience, and accountability at the core of his work, Sebastian is committed to ensuring clients are educated and empowered throughout the homebuying process.


After earning his bachelor's degree in Marketing through a soccer scholarship, Sebastian returned home to help his parents find a new home in 2018. His attention to detail and quick understanding of the mortgage process during that search impressed the loan officer responsible for helping them purchase, who immediately offered him a job. This opportunity marked the start of his career in mortgage lending, where he quickly developed a passion for helping others build wealth through real estate.


In February 2024, Sebastian joined Rate, drawn by their cutting-edge technology, vast loan programs with low rates, and the groundbreaking Language Access Program, which offers the entire mortgage process 100% in Spanish—ensuring seamless service for Spanish-speaking families like his own.


Sebastian is heavily involved with NAHREP, BNI, and his local community and he takes pride in providing personalized mortgage solutions tailored to diverse needs, whether it's First Time Homebuyers who need Down Payment Assistance, Self Employed Entrepreneurs who need creative solutions, Doctors, Investors or Veterans – he treats all his clients with the utmost respect and by his spin on the Golden Rule: How he wishes his parents would have been treated when they bought their first home.


Whether you are buying your first home or your tenth home, Sebastian is here to help. His commitment is to guide you through every step of the mortgage process while providing personalized support to meet your unique financial needs. Contact Sebastian today to explore your mortgage options and achieve your homeownership goals with confidence.

Sebastian Bolivar is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Sebastian 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 Sebastian at (813) 418-7465 for more information!

Sebastian Bolivar at Rate (NMLS #1784032)

Alysia StLaurent is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Alysia 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 Alysia at (727) 373-1110 for more information!

Alysia StLaurent at Rate (NMLS #2420742)

Troy Steadham is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Troy 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 Troy at (813) 342-3038 for more information!

Troy Steadham at Rate (NMLS #2506503)

Jonathan Roby is a standout figure in the mortgage industry. With a reputation as "The Bull," Jonathan is known for his unwavering dedication, expertise, and passion for helping clients achieve their dreams of homeownership. Roby's approach goes beyond mere transactions; it's about forging lasting partnerships rooted in trust and shared goals. Referral partners and clients know; he's a trusted advisor, fighting tirelessly for their best interests. Witness a reliable mortgage experience and contact Jonathan Roby today to get started on your journey to homeownership!

Jonathan Roby is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jonathan 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 Jonathan at (813) 981-6767 for more information!

Jonathan Roby at Rate (NMLS #1526037)

Rene Ledesma is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Rene 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 Rene at (407) 212-4057 for more information!

Rene Ledesma at Rate (NMLS #961972)

I have 18 years of experience as a business professional and sales consultant with 9 years in Banking and Finance. I have a passion for helping people build wealth by purchasing real estate. Whether it's their dream home, investment property or vacation home, I provide a cost benefit analysis so clients are properly informed on their loan options. I specialize in a wide range of services from First Time Homebuyers and Military Veterans to Luxury, High Net Worth Mortgage lending for Affluent and Sports & Entertainment clientele. I ensure to provide proficient, white glove service to clients while building long term relationships and helping clients grow their relationships with their Advisors, Planners and Strategists.


**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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.**  
**Rate is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture, or any other government agency. No compensation can be received for advising or assisting another person with a matter relating to veterans' benefits except as authorized under Title 38 of the United States Code.**

James Lang is your Tampa local lender. As a loan officer at 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 (727) 953-1152 for more information!

James Lang at Rate (NMLS #1483988)

Seth Xilas Santana is a Licensed Realtor/Broker With Exp Realty, Tampa as well as licensed Mortgage Loan Originator with Guaranteed Rate Mortgage, serving the Greater Tampa Bay Area. Since 2019, he has guided dozens of families through buying and selling homes with unparalleled expertise, care and attention to detail.


With certifications as a Designated Seller Representative Specialist (SRS), Graduate Realtor Institute (GRI), Real Estate Negotiation Expert (RENE), Accredited Buyer Representative (ABR), and Short Sale & Foreclosure Resource (SFR) from the National Association of Realtors, Seth brings a wealth of knowledge to every transaction.


As part of EXP Realty in Tampa, FL, Seth provides professional, responsive, and client-centered real estate services. Whether you're buying your dream home, selling for the next chapter, or seeking expert marketing strategies, Seth listens intently and delivers results.  
In addition to his real estate expertise, Seth offers seamless financing solutions as a licensed Mortgage Loan Originator with Guaranteed Rate Mortgage. This dual role allows him to provide a comprehensive, end-to-end experience for clients.  
Available 24/7, Seth is committed to ensuring your real estate and financial goals are met with exceptional service and dedication. Contact him today to get started!

Xilas Santana is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Xilas 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 Xilas at (813) 473-8028 for more information!

Xilas Santana at Rate (NMLS #2626363)

Fabian Casarez is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Fabian 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 Fabian at (951) 377-7152 for more information!

Fabian Casarez at Rate (NMLS #1582628)

Trevor Lecuona is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Trevor 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 Trevor at (813) 473-8026 for more information!

Trevor Lecuona at Rate (NMLS #2049002)

With over 22 years experience, I have made mortgage origination a career and possess a level of expertise that sets me apart from many other loan originators. I'm eager to use that experience to benefit my clients, and I find true satisfaction knowing that my work helps others achieve their short- and long-term life goals. With a wonderful wife and have two teenage children, I understand the importance of these major life decisions and I take pride in being part of my clients' home-buying journeys.

John Johnson is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, John 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 John at (407) 973-0023 for more information!

John Johnson at Rate (NMLS #437796)

Over 15 years of experience in the lending industry. I am dedicated to building strong relationships and delivering personalized solutions for my clients. I specialize in business owners , first time home buyers , Investors and Veterans . I have a "never give up" attitude and will explore out of the box financing to ensure the best experience and options possible. I am dedicated to guide clients every step of the way

Wendy Zaccaria is your Tampa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Wendy 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 Wendy at (813) 810-0039 for more information!

Wendy Zaccaria at Rate (NMLS #577242)

Tampa

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