As a working wife and mother, I understand how important time is. That's why I make the home buying process as convenient as possible for all my buyers. Allowing my clients more time to find their dream home, instead of worrying about paperwork, is my ultimate goal. I have over 19 years of experience in the industry, as well as over 15 years in the construction industry. This knowledge helps me see and understand all aspects of your home buying process- whether a resale home or you new construction! I have three children - Cody, 17; Savannah, 15; & Mackenzie 9. They are all very active in sports and extracurricular activities. My husband of 15 years, BJ, owns a remodeling company and we both spend much of our free time attending our children's events, volunteering within the local realtor associations, home builders associations and local Chambers. My husband is also a very active member of the AINAD Shriner's. We have lived in our local community our entire lives and couldn't think of anywhere else to raise our family! My commitment to my clients and business partners, is a daily priority, the same as the commitment to my family.

Producing Branch Manager

Cara Srogus is your O'Fallon local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Cara 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 Cara at (618) 779-3031 for more information!

Cara Srogus at Rate (NMLS #1145645)

I live in Granite City with my family (spouse & 4 children). Mortgages have been a way of life for over 20 years and I enjoy helping people get into their new homes and helping them see if they can save money on their monthly payments. Giving back to the community is also important to me. I have been on the board with Riverbend HeadStart for almost 10 years. My family is also very involved in our church, where I serve as secretary of the church board.



Savings, if any, vary based on consumer’s credit profile, interest rate availability, and other factors. Restrictions apply.

VP of Mortgage Lending

James Wing is your O'Fallon 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 (618) 205-5062 for more information!

James Wing at Rate (NMLS #657408)

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.

Garret Dooley is your O'Fallon local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Garret 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 Garret at (773) 938-9209 for more information!

Garret Dooley at Rate (NMLS #2012802)

Carl Wasem is your O'Fallon local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Carl 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 Carl at (618) 961-4002 for more information!

Carl Wasem at Rate (NMLS #2299649)

O'Fallon

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4 Loan Officers O'Fallon, IL