As of this year, I have been in the mortgage business for 30 years. I have always had a passion for first time home buyers who then become my repeat customers. Over the years I have won accolades from MHFA and have sat on their lender committee at different times. I always meet my clients face to face as I believe that this is a relationship, not a job. Some of my clients I continue to keep in touch with as times goes by and try to always reach out at the holidays. I have gone to college more than once and have worked in a customer relation industry most of my life although my last focus was on teaching. I have a love of traveling internationally, gardening in the summer, motorcycles and cooking. I often use my co-workers as taste testers for new recipes that I alter or create.

Vice President of Mortgage Lending

Teddy Bagley is your Wayzata local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Teddy 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 Teddy at (952) 646-1216 for more information!

Teddy Bagley at Rate (NMLS #346079)

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.

Theavy Lach is your Wayzata local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Theavy 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 Theavy at (952) 646-1204 for more information!

Theavy Lach at Rate (NMLS #328024)

Regional Manager/SVP of Mortgage Lending

Ray Reinhardt is your Wayzata local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Ray 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 Ray at (952) 646-1214 for more information!

Ray Reinhardt at Rate (NMLS #167859)

Steve Ruprecht has been in the financial industry as a loan officer since 1992. His success comes from his hard work ethic, attention to detail, and knowledge of loan products. He has exceptional experience in all residential lending products including Conventional, Portfolio, FHA, VA, and USDA Rural Housing programs. He is committed to educating and helping clients achieve their dream of home-ownership. Steve's years of experience has helped guide his clients through the ever-changing mortgage market. He resides in Minnesota with his wife and two children. • 24 Years Experience • A True Specialist In Mortgage Banking • Rate has the Ability To Lend In All 50 States • Available 7 Days A Week • In-House Underwriting, Closing, & Funding • Free Mortgage Planning Service

Branch Manager/SVP of Mortgage Lending

Steve Ruprecht is your Wayzata local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Steve 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 Steve at (612) 799-5502 for more information!

Steve Ruprecht at Rate (NMLS #389036)

I have built an extensive business in mortgage lending over the past 25 years by adhering to a very simple philosophy, "provide an excellent client experience that is unsurpassed in the industry". I work hard to analyze each individual situation and tailor financing to best meet their goals and objectives. By being honest, open, and transparent throughout the loan process, I'm able to make them feel comfortable every step of the way. With the strength of Rate, I am able to provide lending for primary, second homes and investment properties. We do Renovation Loans, Reverse Mortgages, and Home Equity, and Personal Loans as well. When called upon to achieve the impossible and save deals that other lenders could not close, I have consistently come through. By reading all of my "customer testimonials" whether on this site, Zillow, or other places on the internet, you will recognize that I take my client's experience very seriously. Quite simply, my goal is to make the financing process as smooth and easy as possible. Give me a call, I'm here to help.

Consultant Vice President

Bryan Wernimont is your Wayzata local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Bryan 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 Bryan at (612) 702-5319 for more information!

Bryan Wernimont at Rate (NMLS #452836)

VP of Mortgage Lending

Eric Bakke is your Wayzata 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 (763) 398-9087 for more information!

Eric Bakke at Rate (NMLS #1549826)

I love helping my clients get into the home of their dreams. I specialize in helping first-time homebuyers.


In my spare time, I enjoy playing hockey, lifting weights and spending time with my three children.

Kevin Murray is your Wayzata 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 (952) 210-1984 for more information!

Kevin Murray at Rate (NMLS #1572107)

I began my mortgage career in 1991 and over the past 30+ years, have helped thousands of customers reach their home financing goals.  
Markets, programs and guidelines continue to evolve, and I'm committed to providing solutions for each situation. Your experience is important to me!  
I grew up on a farm near Battle Lake, MN and am a graduate of St Cloud State University. For the past 23 years, my wife Trudy and I have lived in Maple Grove where we've raised three children.  
Please reach out using the contact information on this page and use this site as a resource for your home financing journey.

Darin Paulson is your Wayzata local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Darin 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 Darin at (612) 701-3342 for more information!

Darin Paulson at Rate (NMLS #40771)

Pam Dahm is your Wayzata local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Pam 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 Pam at (952) 466-6446 for more information!

Pam Dahm at Rate (NMLS #400741)

As your trusted Rate Loan Officer with over 23 years of experience, my goal is to make sure you are well educated about the home financing process. This includes what to expect during the process along with understanding mortgage loan programs that are available to meet your financing goals as a homeowner. I make myself available 24/7 to answer questions you have about home financing and/or the process. I'll be available to provide your realtor with a pre-approval letter on the weekends for offers you make. Whether you are a first time home buyer or seasoned home 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.

Scott Ericksen is your Wayzata local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Scott 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 Scott at (651) 491-3241 for more information!

Scott Ericksen at Rate (NMLS #366572)

Wayzata

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10 Loan Officers Wayzata, MN