Whether you happen to be a first time homebuyer, investor, or are looking to secure your financial future, William Calzadilla of Rate is ready to help you turn your ideas into concrete goals.

Branch Manager

GERENTE_DE_SUCURSAL_ASOCIADO

William Calzadilla is your Union local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, William 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 William at (908) 440-7402 for more information!

William Calzadilla at Rate (NMLS #139809)

Luis Sanchez-Santana, a Sales Manager and Loan Officer at Rate's Union, NJ office, boasts 6 years of experience in the mortgage industry. Before joining Rate, he also served as a Loan Officer, gaining hands-on knowledge of the lending process.




With a 20-year military background, Luis brings a strong sense of leadership and dedication to his role. He specializes in helping clients achieve homeownership dreams, particularly assisting move-up buyers, those in need of jumbo loans, and families relocating. Luis offers expertise in Conventional, FHA, and VA loan products.




As a fluent Spanish speaker, Luis ensures a diverse range of clients benefit from his services. In his role, he oversees branch Loan Officers, ensuring a seamless and efficient loan origination process.




Luis holds a Bachelor's Degree in Political Science from Montclair State University, reflecting his commitment to continuous learning. Beyond work, he enjoys daily exercise and travel, showcasing his passion for a balanced lifestyle.




For personalized guidance and expertise in finding the ideal mortgage fit, trust Luis Sanchez-Santana at Rate.

Sales Manager

GERENTE_DE_VENTAS

Luis Sanchez-Santana is your Union local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Luis 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 Luis at (862) 228-5981 for more information!

Luis Sanchez-Santana at Rate (NMLS #1150977)

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

VP_DE_PRéSTAMOS_HIPOTECARIOS

Heivy Gomez-Gonzalez is your Union local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Heivy 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 Heivy at (201) 737-2542 for more information!

Heivy Gomez-Gonzalez at Rate (NMLS #2024082)

Conrad joined the military after finishing high school and served over 21 years. During his time in the military he graduated from Rutgers, The State University of New Jersey, earned his Bachelors in Psychology, and continued to serve after accepting his commission as an Field Artillery Officer. His time in the military taught him the importance of working hard and attention to detail. He learned to appreciate life, the value of helping others, and the importance of integrity. Conrad’s dedication to his clients has earned him recognition for his customer service, prompt communication, and accurate information. His commitment, experience, and knowledge allow him to focus and provide a hands-on personal experience that ensures your needs and goals are satisfied. Conrad believes that each client and every business partner should receive the best service possible. He continues to serve in the New Jersey National Guard. Conrad and his wife Maricelys have been married for 12 years and share two beautiful boys.

Guaranteed Rate, Inc. has no affiliation with the US Department of Veterans Affairs or any other government agency.

Conrad joined the military after finishing high school and served over 21 years. During his time in the military he graduated from Rutgers, The State University of New Jersey, earned his Bachelors in Psychology, and continued to serve after accepting his commission as an Field Artillery Officer. His time in the military taught him the importance of working hard and attention to detail. He learned to appreciate life, the value of helping others, and the importance of integrity. Conrad's dedication to his clients has earned him recognition for his customer service, prompt communication, and accurate information. His commitment, experience, and knowledge allow him to focus and provide a hands-on personal experience that ensures your needs and goals are satisfied. Conrad believes that each client and every business partner should receive the best service possible. He continues to serve in the New Jersey National Guard. Conrad and his wife Maricelys have been married for 12 years and share two beautiful boys.  
*Guaranteed Rate, Inc. has no affiliation with the US Department of Veterans Affairs or any other government agency.*

Conrad Jorge is your Union local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Conrad 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 Conrad at (732) 275-7264 for more information!

Conrad Jorge at Rate (NMLS #1895722)

Georgi brings a unique blend of skills and experiences to the mortgage lending industry. With almost a decade of experience as a dedicated barber, Georgi has developed a strong foundation in building lasting client relationships, meticulous attention to detail, and delivering exceptional customer service. These qualities have earned Georgi the trust and loyalty of clients, and she is excited to extend this same level of commitment to her work as a loan officer.  
Georgi's passion for real estate goes beyond a professional interest-it's a personal enthusiasm that drives her to continually learn and stay updated on the latest market trends and financial strategies. This knowledge, combined with her interpersonal skills, allows Georgi to offer a compassionate, knowledgeable, and client-focused approach to loan origination.  
Understanding and addressing clients' needs is second nature to Georgi. In her years as a barber, she has perfected the art of listening and providing tailored solutions that meet each individual's preferences. This skill is invaluable in the mortgage industry, where understanding clients' financial goals and finding the best loan products to fit their needs is crucial.  
Georgi is dedicated to making the journey to homeownership as smooth and successful as possible.  
Whether clients are first-time homebuyers or looking to refinance, they can trust that Georgi will provide personalized and effective advice every step of the way.

Georgi Morris is your Union local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Georgi 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 Georgi at (973) 241-8960 for more information!

Georgi Morris at Rate (NMLS #2585631)

Leidy San Martin is a dedicated and licensed Mortgage Loan Originator. Specializing in residential and commercial mortgage lending, Leidy San Martin is committed to helping clients achieve their homeownership dreams by providing personalized guidance, competitive loan options, and exceptional customer service. With a deep understanding of the mortgage industry and a passion for building long-term relationships, Leidy San Martin ensures a seamless and stress-free loan process for every client.

Leidy San Martin is your Union local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Leidy 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 Leidy at (908) 866-2024 for more information!

Leidy San Martin at Rate (NMLS #2570491)

Dan DeMenezes is your Union 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 (312) 509-4317 for more information!

Dan DeMenezes at Rate (NMLS #854165)

Union

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7 Loan Officers Union, NJ