I have been in the mortgage business for more than 20 years. Before I entered the mortgage business, I was a real estate agent for 12 years. My background gives me a unique perspective and approach to mortgage loan origination. This experience allows me to provide excellent service and insightful guidance. Serving my customer's needs is my top priority. I have much experience with many different loan programs including Refinancing, Purchases, New Construction, Lake County Homes, Condominiums, Jumbo, FHA, VA, USDA, transactions with unique circumstances and special challenges, as well as collaborating with trusted Madison Realtors to navigate the local market. Proud member of Oconomowoc's Rotary Club and the Jefferson County Board of Realtors! I love to provide second opinions and mortgage "tune-up" consultations…no strings attached. I promise a complete, comprehensive, and honest analysis of your situation. Proud Member of The Jefferson County Board of REALTORS®.

VP of Mortgage Lending

Penny Charlson is your Pewaukee local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Penny 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 Penny at (262) 439-2249 for more information!

Penny Charlson at Rate (NMLS #285422)

I am a seasoned veteran in the mortgage industry. I have found over the years that my practical experience coupled with the massive resources that Rate affords for me give me a much needed advantage to each customer I work with on a daily basis. The company philosophy of being a leader in putting the customer in the best position and advocate for our referral partners really complemented how I look at each transaction. Starting my working career as a school teacher gave me the grass roots desire to treat each customer as an individual and put their needs and goals as the guidepost of my daily work. When I transitioned from a school teacher to a mortgage professional, I was able to take with my the integrity and desire to help people that led me into education originally. I have a strong desire to educate my clients on all of their options and by putting their goals at the forefront I can help them make solid educated decisions on what direction is best for them. My wife and I have 2 kids and know how busy life can get with work, family and recreational responsibilities. I keep that in mind always when working with customers to make the mortgage experience as simple as possible and go to work eliminating obstacles to keep the client's mind on the main things of their lives. This allows me to be an asset in their lives and leads to a great experience. My network of professionals offers the client to navigate through one of the most important financial decisions of their lives with total confidence. By keeping the customer first, setting good expectations and eliminating speed bumps, we end up at the closing table friends and not just another business transaction. I look forward to working with you.

Tom Kerr is your Pewaukee local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tom 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 Tom at (262) 439-2221 for more information!

Tom Kerr at Rate (NMLS #266890)

As a trusted mortgage professional with 18 + years of mortgage knowledge, Manley is committed to making your mortgage experience second to none. Manley has worked with a variety of first-time homebuyers, Veterans looking to use the VA products available, move up buyers or those who are need of restructuring their current liabilities. Everyone's mortgage needs are a little different and require personal attention to detail to build a custom mortgage that meets your specific needs.
Manley attributes a portion of his success in the industry to his attention to detail, and providing information to his clients in a way that is transparent and easy to understand. He also stresses the importance of establishing long term relationships with his clients who he also considers friends. This is how Manley has become a trusted advisor regarding your personal mortgage needs. 
Please feel free to call and ask Manley questions anytime!

As a trusted mortgage professional with 18 + years of mortgage knowledge, Manley is committed to making your mortgage experience second to none. Manley has worked with a variety of first-time homebuyers, Veterans looking to use the VA products available, move up buyers or those who are need of restructuring their current liabilities. Everyone's mortgage needs are a little different and require personal attention to detail to build a custom mortgage that meets your specific needs. Manley attributes a portion of his success in the industry to his attention to detail, and providing information to his clients in a way that is transparent and easy to understand. He also stresses the importance of establishing long term relationships with his clients who he also considers friends. This is how Manley has become a trusted advisor regarding your personal mortgage needs. Please feel free to call and ask Manley questions anytime!

Producing Partnership Branch Manager

Manley Haines is your Pewaukee local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Manley 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 Manley at (262) 391-8844 for more information!

Manley Haines at Rate (NMLS #755847)

Pewaukee

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3 Loan Officers Pewaukee, WI