*Originally from Amarillo, Texas, I underwent a transformative 7-year chapter in Chicago before returning to my Texan roots. My educational journey led me to West Texas A&M University, where I earned a business degree. Immediately after graduating, I began my professional odyssey with Rate.*  
*Specializing in aiding first-time homebuyers, navigating down payment assistance programs, Reverse Mortgages, HELOCs, and meeting the unique needs of self-employed borrowers, I've amassed over 7 years of invaluable experience in the industry. Embracing each day as an opportunity for continuous learning and personal growth, these principles underscore my professional pursuits.*  
*Currently headquartered in Dallas, Texas, I hold licenses in 14 additional states, and my lending reach spans across all 50 states through our partnership desk. My overarching objective is to seamlessly guide you into your dream home by identifying the optimal program for you and your family. I take pride in upholding open lines of communication, ensuring you remain well-informed throughout the process, and experience an efficient, stress-free journey.*

VP of Mortgage Lending

Gaston Nguimatsa is your Dallas local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Gaston 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 Gaston at (773) 654-2080 for more information!

Gaston Nguimatsa at Rate (NMLS #1577792)

*"It's very rewarding to know I'm providing my clients with the very best custom, financial tool to purchase one of their largest assets. Using our advanced technology and our personal touch, my amazing team can provide this with ease—all the way through the closing and funding of your home loan."*  
- Jason Duffy




**What do Chicago sports teams, Lake Highlands, and lending all have in common?**




They're all loved by Jason Duffy. A Chicago native, Jason left the Windy City for the Big D to open a Rate office. It didn't take long for his family to follow, and then grow.  
When he isn't driving his children to their various sports activities (and sometimes driving and coaching), he tries to get in a round of golf. But he can usually be found working with his clients helping them navigate the largest purchase they'll ever make. Jason lives in the Lake Highlands neighborhood of Dallas, where he's very involved in the local community, with his wife and their two children.




I look forward to working with you!

Area Sales Manager

Jason Duffy is your Dallas local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jason 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 Jason at (214) 845-4147 for more information!

Jason Duffy at Rate (NMLS #204450)

“The greatest reward is seeing my clients happy and grateful when they’ve finally found someone who is willing to help them through each step of the journey and treat them with the integrity they deserve.”   Over the last 18 years, Anna Maria Ramilo has been helping others turn their dreams of home ownership into reality. She began her career in the mortgage industry in 1999 and since then has helped hundreds of clients obtain financing or refinancing for their dream home.  As a seasoned expert in the mortgage industry, Anna knows that every borrower has different needs. She guides each of her clients through every step in the loan process and provides them with everything they need to be successful. As a valued client, you will receive all the support you need in choosing and applying for the loan that best fits your financial picture.  Anna is familiar with all aspects of the mortgage loan process and will help make even the most complex transactions seem easy and attainable. Her commitment to excellence has helped her to earn accolades including Loan Officer of the Year and a consistent recognition as a Top Producer.  The process of getting approved for a loan can be complicated and intimidating. But it doesn’t have to be. Bringing almost two decades of experience in the mortgage loan process, Anna enjoys going the extra mile for her clients and helping them have the best experience possible. Whatever your loan needs are, Anna’s experience, passion and commitment to customer service makes her the best choice to help you take the first step on the path of home ownership.  Outside of the office, Anna enjoys taking walks and reading. She also loves to stay involved and serves as the assistant treasurer at her local church where she also helps lead the women’s group.   Contact Anna at 469-399-5579 today to get started!

AVP of Mortgage Lending

Anna Maria Ramilo is your Dallas local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Anna Maria 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 Anna Maria at (469) 399-5579 for more information!

Anna Maria Ramilo at Rate (NMLS #242588)

Indu started her career in the Mortgage Lending industry in 1997. She feels honored to be part of the American Dream of homeownership. She strives to provide excellent customer service and exceed expectations. Her goal is to not only educate herself on the ever changing guidelines but also make sure her clients are aware of the home buying process. She is the top FHA 203 (K) and HomeStyle Renovation Mortgage Loan Specialist. She has consistently been voted as the Top 1% Mortgage Originators by Mortgage Executive Magazine. She was also voted as D Magazine Best Loan Officer in 2014 and featured as one of the Top 100 Most Influential Mortgage Professionals in 2015 by Mortgage Executive Magazine. Indu completed her MBA in Corporate Finance with honors from University of Dallas, TX. She can speak several languages and dialects. She is married and has 2 beautiful daughters. If she is not at work, she is either at her kid's school volunteering or involved with community projects. Giving back is very important to her.

Branch Manager/Regional Renovation Manager

Indu Kapoor is your Dallas local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Indu 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 Indu at (214) 845-4190 for more information!

Indu Kapoor at Rate (NMLS #296179)

Please meet Dan and learn more about his personalized approach to helping you buy a home. When you're making one of the largest financial decisions of your life, Dan Aaron is the king of trusted processional you want by your side. His 12+ years of experience in the mortgage and finance industry, extensive knowledge of residential lending and programs makes him uniquely qualified to help you meet your financial goals. A consistent top producer, Dan is known for his attention to detail and excellent communication skills. He takes the time to listen to your goals and mortgage needs, then educates you about Rate's wide array of loan options so you can make a more confident, informed decision. Once the transaction is underway, Dan and his team guide you through the process – step by step. By keeping you and all parties informed, he sets expectation to avoid surprises and ensures a quick, smooth and timely close.




Dan earned a B.A. in Music with a minor in Political Science from Baylor University, with honors, magna cum laude. . He studied classical piano in Vienna Austria for two years and holds an artist certificate from the Bosendorfer International Piano Academy. Dan is also the Director of Music at St. Pius Church in Dallas, Texas. In his free time, he enjoys, painting, biking, arranging music, wine tasting and spending time with his three puppies, Riley, Jax and Mona. Dan splits his time between San Francisco and Dallas.




Dan and his team are ready to help with your mortgage goals. Please give him a call today!

Dan Aaron is your Dallas 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 (469) 729-7088 for more information!

Dan Aaron at Rate (NMLS #703128)

Shane Masterman is a Senior Vice President at Rate and the Principal Partner of the Masterman Dail Group. With 23 years of experience in mortgage lending, Shane has helped thousands of families achieve their homeownership goals. His dedication to excellence has earned him recognition as a Chairman's Circle and President's Club member at Rate, a Top Originator ranking from Scotsman's Guide, and Mortgage Executive Magazine ranks him in the top 1% of loan originators nationwide. Locally, D Magazine considers him a D Best Top Mortgage Professional and Platinum Top Producer.


Shane and his team at the Masterman Dail Mortgage Group have funded over $700M in residential mortgages over the past six years. They've been able to achieve such success due in large part to their commitment to providing an unparalleled level of service to their clients and business partners. Their robust product offerings, aggressive rates and industry-leading technology empower them to streamline the loan process and close in as little as 8 days.


A Plano, Texas native and Texas Tech University graduate, Shane grew up in a mortgage industry family, with both of his parents also having careers in the business. He presently lives in the Lakewood neighborhood of Dallas with his wife Lauren, daughter Olivia, and their Boston Terrier, Ollie. Shane is an avid Dallas Stars fan and season ticket holder who enjoys attending as many games as possible with Olivia. When not cheering on the Stars or another pro team here in Dallas, Shane can often be found enjoying live music wherever great bands are playing.


Shane Masterman NMLS 231190

SVP of Mortgage Lending/ Branch Manager

Shane Masterman is your Dallas 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 (214) 274-6089 for more information!

Shane Masterman at Rate (NMLS #231190)

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.

Jinny Sheth is your Dallas local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jinny 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 Jinny at (409) 998-9168 for more information!

Jinny Sheth at Rate (NMLS #1518292)

Meet Christian Johnson, Dallas' premier mortgage lender renowned for unparalleled reliability and expertise. With over a decade of industry experience, Christian is the trusted 'go-to guy' for real estate agents and homebuyers alike, ensuring 100% on-time closings—every time.  
A recipient of prestigious accolades such as D-Magazine and Texas Monthly's Best Mortgage Professional in Dallas, Christian's track record speaks for itself. He's not just about securing loans; he's about crafting tailored financial solutions that pave the way for long-term success.  
Christian's secret? It's his unwavering commitment to understanding clients' needs and navigating them through the complexities of the mortgage landscape with ease. His meticulous attention to detail and relentless dedication to client satisfaction make him a beacon of excellence in the industry.  
But beyond his professional achievements, Christian is a devoted family man and proud member of the Dallas community. As a graduate of the University of North Texas and a resident for over 25 years, he brings a deep understanding of the local market dynamics to the table.  
Experience the Christian Johnson difference—a seamless, hassle-free homebuying journey guided by a trusted friend every step of the way. Whether you're a first-time buyer or seasoned investor, Christian has the perfect game plan to turn your homeownership dreams into reality. Contact him today and take the first step towards your new home!

SVP of Mortgage Lending

Christian Johnson is your Dallas local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Christian 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 Christian at (214) 763-8767 for more information!

Christian Johnson at Rate (NMLS #552551)

Maryann Howard is your Dallas local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Maryann 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 Maryann at (214) 550-4829 for more information!

Maryann Howard at Rate (NMLS #231165)

Brian Tarbet is your Dallas 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 (817) 219-5555 for more information!

Brian Tarbet at Rate (NMLS #286904)

Nancy Neal is your Dallas local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Nancy 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 Nancy at (817) 235-5222 for more information!

Nancy Neal at Rate (NMLS #218949)

Drew Laws is your Dallas local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Drew 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 Drew at (214) 304-7180 for more information!

Drew Laws at Rate (NMLS #366992)

My name is Felicia Holman and I have been in the finance industry for almost 20 years specifically the mortgage industry almost 10! I grew up in beautiful Salt Lake City, UT and now reside in Dallas, TX. My pride and joy belongs to my 3 handsome boys who I strive to be the best I can for each and every day. My passion is helping families and individuals accomplish their dreams of homeownership. I am very skilled at providing solutions where one may have missed or be unaware of. I also love helping investors add properties to their portfolios and enjoy assisting homeowners take that next step towards their dream home and/or second home in a desirable area they love to vacation to. I love serving my community by taking time on the weekend to feed the less fortunate a meal and provide them basic hygiene essentials. I am thankful we crossed paths and I look forwards to providing you the best mortgage experience possible.

Felicia Holman is your Dallas local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Felicia 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 Felicia at (214) 845-4151 for more information!

Felicia Holman at Rate (NMLS #1537199)

As a seasoned loan officer based in Dallas, Texas, I have a passion for helping individuals achieve their homeownership dreams. In 2024, I was honored to be named "Dallas Best in Mortgage Lending" by **Dallas Magazine**, a recognition that reflects my commitment to providing personalized, reliable service to my clients.  
A proud member of Texas A&M's Fighting Class of 2004, I bring years of experience and dedication to the field of mortgage lending. Outside of work, I enjoy life in Dallas with my boyfriend and our beloved Chihuahua, Charlie.

Joshua McCarroll is your Dallas local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Joshua 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 Joshua at (214) 396-2813 for more information!

Joshua McCarroll at Rate (NMLS #2013275)

Kristin Dail is a Senior Vice President with Guaranteed Rate and Principal Partner of The Masterman Dail Group. Throughout her 15+ year career, she has been honored with many awards and accolades. Presently, she is recognized as both a Chairman's Circle and President's Club member at Guaranteed Rate. Mortgage Executive Magazine places her in the top 1% of all loan originators nationally and a Top Women's Originator. While locally, D Magazine considers her a D Best Top Mortgage Professional and Platinum Top Producer.


The Masterman Dail Group understands just how critical it is to be at the forefront of their industry. They ensure that the mortgage process will not be the deterrent in any of their transactions. In the past four years, The Masterman Dail Group has funded $500M in residential home mortgages. They've been able to achieve this level of success by leveraging industry leading technology while providing their clients with an unparalleled level of service.


Kristin and her team believe that the key to every successful real estate transaction is to communicate and provide a consistent and transparent process on every single transaction. They take great pride in strategizing with their agents and are often found advocating for a 10 day close or less to help win the deal.


A proud native of Oklahoma, she graduated from the University of Oklahoma, where she developed a passion for service and community engagement. Outside of her professional life, Kristin is dedicated to her family. She enjoys chasing around her two young daughters, Parker (4) and Dylan (2), alongside her husband, Erik. In her downtime, you can find her immersed in a good book, working out, or enjoying a game (or three) of Mahjong.


Kristin is actively involved in her community, currently serving on the board of the Armstrong Bradfield Parents Association and participating in the Parent Council at Highland Park Presbyterian Day School. Additionally, she co-chairs GROW, a RATE initiative focused on empowering women through skill development and knowledge sharing in their careers.

SVP of Mortgage Lending/Branch Manager

Kristin Dail is your Dallas local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kristin 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 Kristin at (214) 396-2818 for more information!

Kristin Dail at Rate (NMLS #488313)

Dallas

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15 Loan Officers Dallas, TX