Peter is a VP of Mortgage Lending with Rate, Inc., a mortgage banker and direct lender, and has been involved in residential lending for the past 26 years. His focus is lending to individuals needing financing to purchase a home for a primary residence, vacation home or investment property. In addition, he lends to those wishing to refinance their existing mortgage.  Peter's clientele is composed entirely of previous clients and those referred by others. He works diligently to create a custom tailored loan program for each individual coupled with a stress free borrowing experience.  "I love what I do. I genuinely enjoy helping my clients to purchase their new home or refinance the mortgage on the one they already own to better their situation. Whether it's a first time home buyer or an empty nester, downsizing, the joy of seeing them get the keys to their new home at the closing is still a thrill for me. That's why I attend every loan closing to witness that wonderful happy moment.  I strive to create an experience that everyone will remember as the easiest time they have ever had borrowing money. Educating the client is a key component of my approach. When a client understands the process and the lending methodology it makes the whole experience more pleasant.  I want every client to enthusiastically recommend me to their friends, coworkers and neighbors because they received incredible service beyond any expectations.  Only then, have I truly done my job!"

VP of Mortgage Lending

Peter Traum is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Peter 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 Peter at (973) 610-7642 for more information!

Peter Traum at Rate (NMLS #12975)

As a lifelong resident of Green Bay, a true passion of mine is helping people and purchasing a home can be one of the biggest decisions you make in your life, and I am here to help with just that!         Specializing in all types of mortgage loan products, my ultimate goal is to personally work with every one of my clients to determine what fits your needs. There are more mortgage lending products available today than ever, and it is my pride and joy to discover what works best for each one of you.         Outside of my passion for working and helping others, I enjoy staying active with my family, friends, and 3 adorable nieces. I also enjoy experimenting and mastering my chef skills in the kitchen. I am an avid sports fan and being born and raised in Green Bay, WI, you can bet I am a huge Green Bay Packers fan!   If you are looking to purchase a home or refinance, or just have a question, give me a call today directly at 920-676-0905! Or apply online by clicking here: www.guaranteedrate.com/sarahv

Sarah Sanchez is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Sarah 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 Sarah at (920) 676-0905 for more information!

Sarah Sanchez at Rate (NMLS #1173015)

Marc is an SVP of Mortgage Lending & Branch Manager at Rate and is currently licensed in all 50 states successfully serving his clients in traditional and reverse mortgages. He consistently ranks in the top 1 percent of mortgage originators in the U.S., according to leading industry sources Origination News, Mortgage Executive and Scotsman Guide. In his home state of New Jersey, Marc has been featured in NJBIZ's "40 Under 40" and is called upon frequently by the real estate, finance, accounting and legal communities as a trusted expert and speaker.


Additionally, Marc is a certified and licensed instructor, offering continuing education credits to accountants, real estate agents, financial planners and managed care professionals. Marc has been a keynote presenter at the Mastermind Summit, the mortgage industry's leading annual conference as well as many other summits and business events across the nation. He was also a co-host of WVNJ's popular "The Real Estate and Money Show". He has received national recognitions including being named as one of RISMedia's Real Estate News Makers in 2024 and 2023, National Mortgage Professionals' selection of "Top Most Connected Mortgage Professionals" in the U.S in 2021 and 2020, and was chosen to be one of Mortgage Professional America's 5-Star Top Originators for 2021.


He also received a Five Star Mortgage Professional award for superior customer service and professionalism in 2024 and 2023 from NJ Monthly Magazine as well as being selected as one of Fortune's 2023 Top 100 Market Leaders in the nation and Forbes Top 100 Market Leaders in the nation in 2021. Marc holds the following certifications and designations; Certified Divorce Lending Professional (CDLP), Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU).


Profoundly inspired by his grandfather's hard work and success, Marc has authored his first book—"Lessons from My Grandfather: Wisdom for Success in Business and Life"— which shares knowledge gained from his beloved mentor, Haralambos Georgiou Pistis, who was affectionately known to all as Charlie. From a very young age, Marc chronicled Charlie's experiences as an immigrant from Cyprus. In dedication, he now offers his grandfather's timeless principles for achieving success and leading a fulfilling life. Foremost, is the belief that success is a choice.


Marc graduated from Rutgers University/Rutgers Business School with a Bachelor of Science in Finance. He presently resides in Montville, NJ and is a proud father of 3 daughters. Marc treasures the time he spends with family and friends and strives to regularly make a difference in the lives of others around him, both professionally and personally. He also finds inspiration in a quote by Henry David Thoreau: "Go Confidently in the direction of your dreams! Live the life you've imagined."

SVP of Mortgage Lending/Branch Manager

Marc Demetriou, CLU, ChFC, CDLP is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Marc 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 Marc at (973) 521-8345 for more information!

Marc Demetriou, CLU, ChFC, CDLP at Rate (NMLS #111118)

I have been in the financial services industry for over 10 years and have been in the mortgage industry for 6+ years. I have been very fortunate over the course of my career to have worked with very talented, encouraging, and supportive colleagues. As a result, I am a multiple President’s Club Award winner, along with many other accolades over the years.





When I finally joined Rate as VP of Mortgage Lending, I immediately knew I was home. Our Core Values say it all - We put our customers first. We think big but grow for good. We work with the best of the best, we demand excellence out of ourselves, and hold ourselves accountable. And, my personal favorite core value, we give a sh!t!





I started in this business to legitimately help people, and I am absolutely ecstatic every day to be working for a company that has the same goals. This means, when you pick up the phone or send that email to me, I'm here to help answer every question and to walk you through what needs to be done. You'll find that this process is so easy because our goals are aligned. The most consistent compliments I receive are regarding my patience, promptness, and ability to listen and communicate effectively, without the use of industry jargon.





Prior to getting into the mortgage industry, I worked at my parents’ business in Middletown, New Jersey. I attended Rutgers University and graduated with a bachelor’s degree in Economics. In my free time, I love anything sports, travel, or leisure related. I also enjoy tackling projects in my own home!

Branch Manager/VP of Mortgage Lending

Brian Kelly is your Montville 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 (609) 294-4612 for more information!

Brian Kelly at Rate (NMLS #1092959)

As a Rate loan officer specializing in purchase and refinance loans, I work to align my customers with the best mortgage program to suit their needs and goals. I have been in the mortgage industry since 1997 and I believe in giving my customers an honest estimate of the rates and fees involved with the loan. I provide my clients with the best customer service in the industry. That is why my customers who are getting a loan with me are free to email or call me at anytime. Whether you are looking to buy your first home, step up in home size, build the home of your dreams, lower your monthly payments, I am always available to meet your needs. I have the knowledge and expertise to find the best program for almost any customer.

Shane Force is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Shane 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 Shane at (973) 830-8706 for more information!

Shane Force at Rate (NMLS #227971)

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.

Sales Manager/VP of Mortgage Lending

Laura Lang is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Laura 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 Laura at (862) 371-0087 for more information!

Laura Lang at Rate (NMLS #242525)

Tricia Cuthbertson is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tricia 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 Tricia at (973) 241-8963 for more information!

Tricia Cuthbertson at Rate (NMLS #1645205)

A professional, dedicated & service-oriented loan originator who cares about delivering a mortgage for his clients & real-estate partners on time, and with their future financial success in mind. Schooled in every lending option, and with direct access to my underwriters, my team and I produce industry leading results

Eric Mason is your Montville 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 (973) 241-8964 for more information!

Eric Mason at Rate (NMLS #1313767)

Allan Stern is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Allan 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 Allan at (732) 638-9073 for more information!

Allan Stern at Rate (NMLS #883765)

VP_DE_PRéSTAMOS_HIPOTECARIOS

Jon Soto is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jon 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 Jon at (973) 542-2851 for more information!

Jon Soto at Rate (NMLS #1869835)

Wanetta Harvey is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Wanetta 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 Wanetta at (646) 221-6184 for more information!

Wanetta Harvey at Rate (NMLS #2024689)

Zev's years of experience in the financial services industry combined with the extensive mortgage resources at his fingertips with Rate allow him to provide his clients with lightning-fast pre-approvals, great rates, superior customer service, and hassle-free Five-star closings. As a prolific published writer of children's stories (which grew from making up bedtime stories for his five children), Zev also wields his mighty pen and articulate communication skills as a proud member of the "We Give a Sh!t!" Rate team of incredible professionals of finance, title, PMI tailored rates, as he effortlessly and pleasantly guides his clients through the loan process. Zev, who is licensed to originate mortgages in NY, NJ, PA, CT, and FL, is dedicated to building lasting relationships with his customers (who often become personal friends) and realtors by delivering transparent, superior customer service while providing effective and creative purchasing or refinancing solutions. Contact him today for a customer experience you will surely be sharing with your family and friends!

Zev Lewinson is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Zev 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 Zev at (973) 866-2003 for more information!

Zev Lewinson at Rate (NMLS #1072291)

I have been in the mortgage business for many years in all types of roles. My favorite is working directly with the clients and helping them realize their goals of buying their dream home or refinancing their current home to improve their financial situation. I have many repeat clients that are very happy with my level of service.

Mary Ratchford is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Mary 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 Mary at (973) 866-2002 for more information!

Mary Ratchford at Rate (NMLS #261640)

MaryBeth Brannigan is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, MaryBeth 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 MaryBeth at (973) 939-8664 for more information!

MaryBeth Brannigan at Rate (NMLS #1240169)

I have been in the mortgage industry for 31 years spending a majority of those years, 18, at Homebridge. I graduated from Seton Hall University with a BS in Finance. I enjoy playing golf and soccer. I have 3 children, ages 18, 15, and 12 and have been married for 21 years.  
I have always been inspired to make a difference in my clients lives, bring value to those who trust me with their business while having a positive impact on those closest to me. That has been mine and my teams vision since day 1.

Producing Branch Manager

Nick Turchi is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Nick 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 Nick at (973) 830-8717 for more information!

Nick Turchi at Rate (NMLS #39292)

Customers remain at the center of everything we do, from our Intuitive Loan Finder, World’s First Digital Mortgage and easy-to-use GR Mobile App to our continued commitment to providing the personal service that has made us one of the most trusted mortgage providers in the country. Find the perfect mortgage for your situation, anytime, anywhere.

We understand that choosing a mortgage is the biggest financial decision of your life, and we’re committed to making the process as seamless, friendly and financially valuable to you as possible.

It's a simple formula that has made us one of the most trusted mortgage providers in the U.S.

Yasin Peppers is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Yasin 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 Yasin at (973) 866-2004 for more information!

Yasin Peppers at Rate (NMLS #2504203)

Devin Moran is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Devin 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 Devin at (973) 658-4791 for more information!

Devin Moran at Rate (NMLS #1685333)

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.  
*This individual is unlicensed in the State of Georgia, has submitted a license application to the Georgia Department of Banking and Finance, and the Department may grant or deny this individual's license application.*

Jackie Doyle is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jackie 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 Jackie at (973) 866-2005 for more information!

Jackie Doyle at Rate (NMLS #55246)

Rick Matos is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Rick 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 Rick at (973) 687-0993 for more information!

Rick Matos at Rate (NMLS #704484)

"As a Mortgage Lending Professional, I am committed to delivering a personalized home buying experience for every borrower through exceptional customer service and meticulous attention to detail. My extensive experience enables me to offer a wide range of loan options, ensuring I can meet the diverse needs of all clients. I warmly welcome all borrowers!  
My Mission: To serve my customers with honesty, integrity, and efficiency. I strive to provide the best home loans available, securing low interest rates and minimal closing costs for my clients. I pledge to assist borrowers in overcoming any obstacles that may arise during the loan process. My goal is to offer the best solutions for everyone!


*Specializing in First-Time Home Buyers, FHA, Conventional, VA, Refinance, Investment/Rental, Non-Conforming, and Rehabilitation Loans!"*


*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. By refinancing, you may pay more in costs and interest over the extended term. 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.*

Simon Howard is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Simon 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 Simon at (973) 241-8947 for more information!

Simon Howard at Rate (NMLS #2215505)

Hi, I'm Paola, and I'm committed to helping all communities in any way I can. Through my years of working as a loan officer I find passion in helping my clients find the right mortgage product to suit their needs. Maybe you're a first-time homebuyer or long-time homeowner. Perhaps you're buying an investment property or planning a renovation. I offer a wide range of programs, from conventional and jumbo to FHA and VA.  
Together, we'll find a loan to help you feel at home.  
Sharing information is just as important as listening. I'm fluent in English and Spanish and ready to provide a hands-on experience with my skills and knowledge. From application to closing, you can count on me to keep you informed about your loan's progress while answering your questions along the way. I look forward to getting started!


*Rate has no affiliation 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.*

Paola Gomez is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Paola 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 Paola at (973) 542-2846 for more information!

Paola Gomez at Rate (NMLS #1581555)

Eva Malone is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Eva 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 Eva at (973) 939-8679 for more information!

Eva Malone at Rate (NMLS #69182)

Brian Bloete entered the mortgage industry as a loan officer in 2016. Named as a Scotsman Guide Top 1% Originator in 2021, 2022, 2023, 2024 and 2025 he has closed over $250 million in mortgages over the course of his career. With a personal portfolio of investment properties to help further his understanding of the industry, Brian's ultimate goal is to ensure that his borrowers always make the best choices.


Brian is committed to providing his customers with mortgage services that exceed their expectations, which is why he takes the additional time to create a tailored mortgage experience for each of his client's specific needs.


A Veteran of the United States Marine Corps, Brian values his family and health above all else. He holds a bachelor's degree from East Carolina University, and enjoys playing golf and expanding his knowledge on real estate investing during his time away from work. Brian along with his wife and son currently live in Morristown, NJ.


Brian is authorized to lend in the following states: New Jersey, New York, and Florida.

Brian Bloete is your Montville 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 (973) 521-8365 for more information!

Brian Bloete at Rate (NMLS #1453071)

Producing Partnership Branch Manager

Chad Barris is your Montville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Chad 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 Chad at (973) 241-8965 for more information!

Chad Barris at Rate (NMLS #69237)

Montville

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