I was born and raised in Belarus (former Soviet Union Republic, now an independent country). I graduated from the Minsk University of Foreign Languages with a teaching degree in German and English. My husband and I moved to the United States in 1993 and have lived in Overland Park, KS since.  I chose to pursue a career in the mortgage industry, as I've always been fascinated by numbers and with my background in education I knew I could become a trusted advisor in the field. In my spare time, I love to travel and spend time with my friends and family. Fitness, health and wellness are my passion.

VP of Mortgage Lending

Svetlana Dybal is your Ashburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Svetlana 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 Svetlana at (571) 341-5145 for more information!

Svetlana Dybal at Rate (NMLS #314527)

As an experienced residential loan officer since 2003, I've helped thousands of satisfied clients in Northern Virginia and beyond purchase their dream homes or refinance their existing mortgages for better rates. My dedicated team of professionals is committed to providing exceptional service and guidance throughout the loan process.


With in-depth knowledge of the local real estate market and access to a wide range of lenders, I specialize in finding the best rates and loan programs tailored to your unique financial situation. Whether you're a first-time homebuyer, looking to refinance, or seeking a competitive rate for your next purchase, my patient and personalized approach ensures a smooth and stress-free experience.


Clients consistently praise my team for our professionalism, transparency, and commitment to finding the optimal solution for their mortgage needs. We pride ourselves on being accessible, responsive, and always acting in our clients' best interests.


If you're in the market for a new home or exploring refinancing options, contact me today. I look forward to putting my expertise and proven track record to work for you.

Sales Manager/SVP of Mortgage Lending

Jeff Richards is your Ashburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jeff 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 Jeff at (703) 307-3461 for more information!

Jeff Richards at Rate (NMLS #483537)

Born and raised in Northern VA, I have love and passion for all things Virginia. I recently moved to Fredericksburg, VA and I LOVE IT. The area exhibits a deep sense of community and loyalty. This sense of community has helped to solidify the importance of communication and relationship.Being a Mortgage Professional allows me to exercise my passion for people and desire to assist them. My role is to provide financial solutions to those looking to enhance their current mortgage or obtain a new mortgage.I hope to be a reliable, accessible and helpful resource for all my clients. My goal is always to assist clients through a smooth and comfortable transaction. Purchasing or refinancing a home should be an exciting process and I aim to make it just that for my clients.

AVP of Mortgage Lending

Natasha Anderson is your Ashburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Natasha 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 Natasha at (703) 383-6192 for more information!

Natasha Anderson at Rate (NMLS #1019958)

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.

SVP, Producing Area Manager

Steve Miller is your Ashburn 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 (703) 647-5985 for more information!

Steve Miller at Rate (NMLS #195767)

John Cataliotti is your Ashburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, John 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 John at (703) 382-1853 for more information!

John Cataliotti at Rate (NMLS #189366)

Experienced Mortgage Loan Officer with 20+ Years in the Industry  
As a nationally recognized top 1% mortgage originator by Scotsman's Guide and Mortgage Executive Magazine, I bring over two decades of experience as a trusted mortgage loan officer. My focus is on transparency, integrity, and providing expert guidance to help families achieve homeownership and build wealth.  
With expertise in VA loans, FHA loans, conventional mortgages, and jumbo financing, I understand the unique needs of both first-time homebuyers (FTHBs) and seasoned real estate investors. Whether you're purchasing your first home or adding to your investment portfolio, I'll ensure a smooth and successful transaction by guiding you through every step.  
I have a deep passion for supporting active-duty military and retired veterans in utilizing their VA loan eligibility for home purchases and refinancing options. Helping those who serve our country is a personal mission.  
Proudly based in Northern Virginia, I live with my wife and two children, where we enjoy outdoor adventures, rollercoasters, and celebrating a good hole-in-one.  
Ready to take the next step? Contact me today to discuss your mortgage options!


*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.*

SVP of Mortgage Lending

Lee Williams is your Ashburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Lee 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 Lee at (571) 420-3116 for more information!

Lee Williams at Rate (NMLS #266952)

Andy Travers is your Ashburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Andy 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 Andy at  for more information!

Andy Travers at Rate (NMLS #193431)

Sean Johnston is your Ashburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Sean 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 Sean at (571) 247-6295 for more information!

Sean Johnston at Rate (NMLS #1885077)

I have been serving borrowers for over 20 years and was named by the Washingtonian as a "Lifetime Achievement" recipient in 2024. I have helped thousands of individuals and families find the right mortgage to meet their personal goals. 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 buyer, 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.

January Holt is your Ashburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, January 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 January at (703) 585-9588 for more information!

January Holt at Rate (NMLS #453467)

It is very gratifying to help buyers become owners. I love to attend each closing with my clients and partake in all their joy.


After graduating from Virginia Tech, I began my career in mortgage banking. Over the past 24 years, I've gained experience in several facets of the business, including post-closing, processing, underwriting, and as a Loan Officer Assistant. Since 2014, I have been a originating my book of business as a Loan Officer. I like to think that my many years of experience in the mortgage industry has made me more of a "mortgage guy who's now in a sales role" versus "a sales guy who's now selling mortgages."


I use all of this experience to expertly serve clients in VA, MD, DC, NC, SC, PA, and WV throughout their exciting homebuying journey.


Whether you're a first-time homebuyer, a move-up buyer, a veteran, or somewhere in between, I will help you traverse the home buying experience and explain the process from contract to closing and beyond.


With a vast suite of skills learned from 24 years in the mortgage business, I approach my job as a mortgage ambassador. I want to help borrowers like you feel comfortable every step of the way, and that starts with understanding the mortgage process.


I'm the father of three girls. I enjoy exercise, watching sports, cooking, and playing guitar and bass in a cover band, but nothing beats winding down with a good book, TV show, or video game.

Greg Simmons is your Ashburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Greg 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 Greg at (703) 647-5978 for more information!

Greg Simmons at Rate (NMLS #207562)

Steve Kang is your Ashburn 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 (703) 884-1157 for more information!

Steve Kang at Rate (NMLS #199663)

With over 16 years of dedicated service in the mortgage industry, Min is a seasoned Mortgage Loan Officer specializing in the DMV area.  
• Local Expertise: His deep-rooted knowledge of the DMV real estate market ensures you receive tailored advice and solutions that fit your unique needs.  
• Customer-Centric Approach: Your financial security is our top priority. He works closely with you to understand your goals and find the best mortgage plans for affordability and long-term stability.  
• Extensive Product Knowledge: From fixed-rate mortgages to VA loans, we offer a wide range of mortgage products to suit every situation.  
• Transparent Communication: He believes in clear and honest communication every step of the way, ensuring you fully understand your options and feel confident in your decisions.  
• Proven Track Record: With a reputation built on trust and integrity, he has helped countless clients achieve their homeownership dreams while safeguarding their financial future. Whether you're a first-time homebuyer or a seasoned investor, he is here to guide you through the mortgage process with expertise and care. Contact him today to take the first step towards securing your financial future.


*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. 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.*

Min Shin is your Ashburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Min 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 Min at (703) 647-5990 for more information!

Min Shin at Rate (NMLS #2132564)

Ashburn

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12 Loan Officers Ashburn, VA