I have helped many individuals and families attain the dream of home ownership. I have a team of professionals that will be in control of your loan file from start to finish, and we will keep you up—to—date on the status of your loan at all times. I understand the importance of maintaining continuous communication throughout the loan process and commit to providing you accurate, timely, and honest mortgage advice.

Producing Branch Manager

Annette Schmidt is your Seattle local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Annette 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 Annette at (425) 284-9228 for more information!

Annette Schmidt at Rate (NMLS #287955)

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

Dave Reitze is your Seattle local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Dave 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 Dave at (253) 251-1587 for more information!

Dave Reitze at Rate (NMLS #107852)

Hello, my name is Jason Miller. I am a Washington based loan officer with Rate. I have a background in Credit analysis and education and am passionate about providing my clients with the tools they need to be successful in achieving their home ownership goals.


*Rate does not provide credit counseling or credit repair services.

VP of Mortgage Lending

Jason Miller is your Seattle 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 (253) 951-0429 for more information!

Jason Miller at Rate (NMLS #2455319)

Caleb Johns is highly detail-oriented and delves into all the seemingly minor details that if glossed over, could come back to haunt a home buyer. He prides himself on his clear communication and expert knowledge of the esoteric mortgage process. Due to his meticulous nature, he can boast that through hundreds of loan fundings over a dozen years, he has never missed a detail that caused a loan to fail.  
Caleb was raised in a family of home builders and earned a hands-on education in construction; later he spent more than ten years helping clients build art collections for their homes.  
In his spare time Caleb enjoys hiking with his wife and their German Short-Haired Pointer, working on home improvement projects, strumming his ukulele, and feeding the Literature major trapped inside by seeking out intriguing books and authors.

Caleb Johns is your Seattle local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Caleb 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 Caleb at (206) 245-2561 for more information!

Caleb Johns at Rate (NMLS #1077387)

Andrea Burbank is your Seattle local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Andrea 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 Andrea at (206) 971-2602 for more information!

Andrea Burbank at Rate (NMLS #413552)

Kerri was born and raised in the Pacific Northwest and is proud to call this beautiful area home. Kerri has been in the residential lending and construction lending industry for 20 years and has extensive knowledge of what it takes to help clients achieve their dream of homeownership. Kerri loves working with first time homebuyers and specializes in the extra education and support that first time homebuyers need. Kerri is acutely aware that real estate transactions require more time and attention than what is done during "bankers' hours", and she is available to make sure that the needs of her clients and real estate partners are met in a timely and honest manner.

Kerri Burhart is your Seattle local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kerri 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 Kerri at (425) 284-9227 for more information!

Kerri Burhart at Rate (NMLS #1591012)

Justin grew up in the mortgage industry and joined his family as the 2nd generation in the business. The Dellario Team has helped over 2,500+ families with their home financing and continue to serve the public. Specializing in FHA, VA, and First-time Homebuyers, Justin is known for his ability to make the mortgage process easy to understand and low stress. He joined the team as a transaction coordinator and learned the operations side of the business before transitioning to sales. He uses his knowledge of the lending process to support buyers & real estate agents during the transaction and to ensure a smooth closing.


*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.*

Justin Dellario is your Seattle local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Justin 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 Justin at (425) 443-6834 for more information!

Justin Dellario at Rate (NMLS #1225389)

Steve has served the Seattle area for over 20 years starting in investigative accounting and financial planning. His financial expertise gave him the tools to understand the landscape of national and regional economics. He uses that experience to translate personal finance and mortgage banking to each customer. Steve's passion is providing education on personal finance as it relates to mortgages and the impact on every-day life. He believes financial knowledge should be taught early on and provides everyone with the tools needed to succeed, not just in real estate. Steve founded the Dellario Team with the purpose of simplifying the mortgage world and has helped over 2,500 families across the U.S. achieve the dream of homeownership.

Steve Dellario is your Seattle 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 (616) 215-1021 for more information!

Steve Dellario at Rate (NMLS #175867)

VP, Mortgage Lending

Neil Baldock is your Seattle local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Neil 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 Neil at (206) 971-2608 for more information!

Neil Baldock at Rate (NMLS #1802383)

I'm a VP of Mortgage Lending at Guaranteed Rate in Seattle, Washington, with over 30 years of experience helping people achieve their homeownership and financial goals. Since starting in the mortgage industry in 1994, my mission has been simple: educate, communicate, and execute—and I take pride in doing all three exceptionally well.  
I believe in creating clients for life by delivering outstanding service, clear communication, and unbiased advice tailored to each client's unique needs. Whether you're buying your first home, refinancing, or investing, my goal is to make the process smooth, transparent, and successful. Best of all, we're licensed in all 50 states—so wherever you are, I can help.  
For Real Estate Partners  
I value strong, collaborative relationships with real estate agents. My role is to be a reliable partner—someone you can count on to stay ahead of deadlines, keep deals on track, and provide exceptional service to your clients. I communicate proactively, handle the details, and work hard to make you look great to your buyers and sellers. Whether you want to stay hands-on or prefer I take the reins, I'll adapt to your style and support your business like it's my own.  
A Little More About Me  
When I'm not working, I'm spending time with family and friends, hunting, fishing, snowmobiling, or traveling. I'm a proud father of two and a lifelong sports fan.

Mike Lowe is your Seattle local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Mike 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 Mike at (425) 445-2384 for more information!

Mike Lowe at Rate (NMLS #174934)

Kelli Smith is your Seattle local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kelli 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 Kelli at (253) 534-4116 for more information!

Kelli Smith at Rate (NMLS #907736)

With over a decade of experience in the financial industry and 15+ years in the service industry, I am confident I know what it takes to make your homebuying experience a positive one.  
Becoming a homeowner is not an overnight process. It's an investment that cannot be rushed into, so choosing the right person to be in your corner is important. You need someone who is genuine, passionate, a listener, a guide, a teacher, and a friend.  
A home is likely the largest purchase a person will make in their lifetime, and I can help make that mortgage process seamless. I've helped hundreds of families achieve their dream of homeownership, and I look forward to helping you do the same.  
Whether it's a new home purchase or we are refinancing your current mortgage, my amazing team and I are here for you!  
Today is your opportunity to build the tomorrow you want. Are you ready to take the next step? If so, I'd love to talk. I am available seven days a week.


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.

Heidi Sawyer is your Seattle local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Heidi 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 Heidi at (616) 215-1021 for more information!

Heidi Sawyer at Rate (NMLS #1850086)

Seattle

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12 Loan Officers Seattle, WA