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

Sanette Isa-Bruton is your Palos Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Sanette 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 Sanette at (708) 995-3061 for more information!

Sanette Isa-Bruton CPA at Rate (NMLS #224388)

I was fortunate to get in the mortgage business in 2001.  I started in the business as a processor and a Loan officer assistant and worked my way up to originating  on my own in 2005 and have not been happier.  I am happily married to my husband Dave and have two awesome children, DJ & Paige.   My biggest enjoyment in life is watching my children grow as individuals in school and sports.  I also enjoy working out and I still play softball after 30 years.   I put my customers first and am very attentive to their needs such as getting back to them same day and explaining to them the process in full detail so they are always aware of the next steps. I love what I do and I love watching my customers walk away from the closing as happy new homeowners.

Michelle Freeman is your Palos Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Michelle 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 Michelle at (708) 995-3062 for more information!

Michelle Freeman at Rate (NMLS #426867)

I am a Mortgage Professional with over 15 years of experience in the real estate industry. I have gained this experience by holding several different positions and increasing my education in all aspects of the business.  I believe a mortgage process should also be about building relationships. This isn't just a job for me, it's also my passion. I love building new relationships and i look forward to walking you through the loan process from start to finish.

Izabel Dymora is your Palos Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Izabel 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 Izabel at (708) 340-7975 for more information!

Izabel Dymora at Rate (NMLS #1607995)

I've been helping individuals and families achieve the dream of homeownership since 1986, and I still wake up every day with the same passion I had when I first started. Raised in Oak Lawn, I graduated from Oak Lawn Community High School before earning my finance degree from the University of Illinois at Chicago (UIC). My background in finance, along with decades of experience in mortgage lending—including as the former owner of BancGroup Mortgage—has given me the knowledge and expertise to guide my clients through the home loan process with confidence.


Buying a home is one of the biggest financial decisions you'll make, and my goal is to make the mortgage process as smooth, fast, and stress-free as possible. Whether you're a first-time homebuyer, refinancing, or investing in real estate, my team and I are here to help you find the best loan option to fit your needs. We specialize in FHA, VA, Conventional, Jumbo, Renovation, and Reverse mortgages and have been consistently recognized by the Illinois Housing Development Authority (IHDA) for helping homebuyers secure down payment assistance and grant options.


With a 99% customer satisfaction rate, I take pride in delivering top-tier service, clear communication, and personalized mortgage solutions. Year after year, I'm honored to be recognized by *Scotsman Guide* as a Top Loan Officer in Illinois and nationwide. But the real reward is helping my clients reach their homeownership goals.


I look forward to being your trusted mortgage partner and guiding you every step of the way. Let's make your homeownership dreams a reality!

Regional Manager/SVP of Mortgage Lending

Dan Rogers is your Palos Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Dan 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 Dan at (708) 906-4183 for more information!

Dan Rogers at Rate (NMLS #131966)

Over the past 20 years, I have enjoyed helping people make the American dream of homeownership come true. I am knowledgeable, loyal and reliable in my life and how I approach my job. I also value the friendships I've made along the way.

Associate VP of Mortgage Lending

Dennis Malone is your Palos Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Dennis 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 Dennis at (630) 364-7585 for more information!

Dennis Malone at Rate (NMLS #426276)

Matt Ulmer is your Palos Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Matt 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 Matt at (708) 906-4184 for more information!

Matt Ulmer at Rate (NMLS #190980)

Jamison has been in the mortgage business for about 7 years. He got into it because he is passionate about helping people achieve their dreams of home-ownership and making sure that they are in the best spot possible if they are already in an existing mortgage; so, they can spend more time focusing on the things that are important to them like their career, friends and family!
Jamison assists customers in ten states across the country and from all different walks of life. He believes that there is no such thing as a stupid question! And he enjoys educating and empowering his clients with knowledge so they have the tools they need to succeed!
Jamison likes to identify not just his client’s goals, but why they are looking to accomplish those goals so he can better help them to accomplish their dreams!
Jamison would suggest that you start the process early at least 6 months to a year out, so when the time comes you are ready! It is important to have money set aside to cover down payment and closing costs. Also, making sure you are teamed up with a great mortgage lender from the start to help assist you throughout the process! To ensure a smooth and painless process from the day you lock in financing till the day you close!
Jamison enjoys helping people obtain their dreams of home-ownership and educating and empowering them throughout the process!
Jamison has done stand-up comedy at the Laugh Factory in Chicago and has done several episodes as an extra on Chicago Fire and Chicago PD. He finds that laughter is the best medicine in life! You must realize at the end of day, “Don’t sweat the small stuff, it’s all small stuff!”

Jamison has been in the mortgage business for about 7 years. He got into it because he is passionate about helping people achieve their dreams of home-ownership and making sure that they are in the best spot possible if they are already in an existing mortgage; so, they can spend more time focusing on the things that are important to them like their career, friends and family! Jamison assists customers in ten states across the country and from all different walks of life. He believes that there is no such thing as a stupid question! And he enjoys educating and empowering his clients with knowledge so they have the tools they need to succeed! Jamison likes to identify not just his client's goals, but why they are looking to accomplish those goals so he can better help them to accomplish their dreams! Jamison would suggest that you start the process early at least 6 months to a year out, so when the time comes you are ready! It is important to have money set aside to cover down payment and closing costs. Also, making sure you are teamed up with a great mortgage lender from the start to help assist you throughout the process! To ensure a smooth and painless process from the day you lock in financing till the day you close! Jamison enjoys helping people obtain their dreams of home-ownership and educating and empowering them throughout the process! Jamison has done stand-up comedy at the Laugh Factory in Chicago and has done several episodes as an extra on Chicago Fire and Chicago PD. He finds that laughter is the best medicine in life! You must realize at the end of day, "Don't sweat the small stuff, it's all small stuff!"

Licensed Sales Assistant

Jamison Levy is your Palos Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jamison 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 Jamison at (630) 925-0138 for more information!

Jamison Levy at Rate (NMLS #1561155)

I have been in the mortgage industry for over 25 years and still love what I do. There is nothing more rewarding then helping people fulfill their dreams of homeownership or putting them in a better financial situation. My goal is to not only learn about their short term needs, but also long term goals to come up with the best options. Buying or refinancing a home is one of the biggest financial decisions a person can make, and it is important to work with someone that is not only knowledgeable but also someone you can trust. You want someone that will answer all your questions (even the ones you didn't know you had); you want someone that is patient and someone that will be quick to return your calls and emails. You want someone that truly is looking out for your best interests and doesn't treat you as just another loan. While the technology at Rate is some of the best in the industry, it does not take away the personal touch you will receive if you choose to work with me. Although buying a home can be scary, I promise to make the process as smooth and stress free as possible. I want to earn your business for life. If you choose to work with me, I promise to exceed all of your expectations.

Linda Winge is your Palos Park 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 (708) 572-0519 for more information!

Linda Winge at Rate (NMLS #221663)

Javier Garcia, a first-generation Mexican American and the son of immigrant parents, began his journey in finance at just 16 years old. Starting as an assistant to a high-performing loan officer, he quickly earned his originator's license and rose to become one of the youngest senior leaders in the mortgage industry. With over 23 years of experience, Javier now serves as Senior Vice President / Producing Branch Manager at Rate, where he leads with purpose and passion—expanding access to homeownership and empowering underserved communities.


Raised in Chicago and now living in Glenview, Javier takes pride in connecting with people from all walks of life. He blends professional excellence with authenticity, mentoring a high-performing team of mortgage bankers while providing tailored solutions to clients across the Midwest. Known for his approachable style and strong leadership, he helps others rise by creating an environment built on trust, execution, and service.


Javier brings a rare combination of emotional intelligence, industry insight, and strategic foresight to every interaction. "Our strength is in how intentionally we solve problems," he says. "We listen. We guide. We execute with purpose." His leadership philosophy centers on results through relationships—recognizing the importance of both the client experience and the team's culture.


A proud father, active volunteer, and member of his local real estate agent association, Javier approaches his work as a calling to serve, educate, and uplift. His journey from humble beginnings to executive leadership reflects his unwavering commitment to faith, family, and financial empowerment.

SVP of Mortgage Lending/Producing Branch Manager

Javi Garcia is your Palos Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Javi 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 Javi at (708) 761-8440 for more information!

Javi Garcia at Rate (NMLS #217343)

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9 Loan Officers Palos Park, IL