Sam has been a leading Mortgage Lender in the East Bay since 2003 and has been recognized as one of the top mortgage professionals in the Bay Area, earning his company's President's Club and Chairman's Circle recognition each year. With his experienced team and Rate's industry leading technology, Sam is perfectly positioned to help his clients navigate one of the most competitive purchase markets in the country.  
For Sam, the greatest reward is forming long lasting relationships with his clients and welcoming them to the East Bay community. Prior to his lending career, Sam taught English in France for two years and then worked for a quantitative portfolio management consulting firm in Berkeley. His background in education and finance enables him to expertly explain the nuances of financing choices and clearly articulate the home lending process. Sam graduated Summa Cum Laude with Highest Honors from Brandeis University in Boston.

SVP of Mortgage Lending

Sam Krueger is your Lafayette local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Sam 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 Sam at (510) 344-5240 for more information!

Sam Krueger at Rate (NMLS #235803)

I have been a mortgage lender since 2004, entering the profession after 18 years in small business management and accounting. I immediately fell in love with the work of helping people achieve their financing and family goals through home ownership and realized that the skills I had developed in my previous career found a higher expression in the service of these goals. By utilizing a results-focused approach, I’m able to find resourceful and tailored solutions for my clients and help them pick the best option for themselves. My clients are confident and secure in their choices because of the education they receive throughout the entire loan process. As a result, nearly all my business is generated through referrals.   I am a Bay Area native, the granddaughter of Spanish immigrants from the province of Granada. I grew up in a home designed and built by my grandparents, where my grandmother would say that she attributed our family’s success to the fact that we owned our own home. Having grown up as a farm worker, she reveled in the freedom and independence of owning a home that served as a place of safety and sanctuary as well as a home base for our family, where we could put down roots, entertain friends and family, and create the kind of lives we wanted. This sense of the importance of having a home of one’s own is one of the many things she passed down to me.   I graduated from UC Berkeley with a B.A. in Humanities and have since continued my education independently. I am connected to my community, volunteering at local food banks and serving as a volunteer and committee member for STAND! For Families Free of Violence. I also take an active role in my business and professional community, where I am a member of the Oakland Berkeley Association of Realtors (OBAR), the California Association of Mortgage Professionals (CAMP), and Business Network International (BNI). My involvement with the business community allows me to connect my clients with excellent professionals in other areas when they are looking for services or help.  I currently live in Pinole and love to spend time outdoors, hiking with my friends and my dogs on local trails and taking in the natural beauty of the Bay Area. I’m looking forward to hearing from you and learning how I can help you best.

VP of Mortgage Lending

Evelyn Freitas is your Lafayette local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Evelyn 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 Evelyn at (510) 254-4674 for more information!

Evelyn Freitas at Rate (NMLS #247578)

Hailing from the vibrant heart of the San Francisco Bay Area, Jenna Gray Benett has been a prominent figure in the Real Estate Finance landscape since 2004. Possessing diverse licenses across multiple states, including AZ, CA, CO, FL, OR, NV, TN, TX, WA, and MT, Jenna boasts a comprehensive understanding of the mortgage industry.


With an unwavering commitment to her clients' best interests, Jenna expertly navigates the spectrum from first-time homebuyers to seasoned investors. Her approach involves meticulous mortgage evaluation and strategic planning, aligning financial objectives with lifestyle goals. She firmly believes that clients deserve nothing short of excellence, and she's dedicated to surpassing expectations at every lending juncture.


Jenna's impressive achievements underscore her client-focused values. Recognitions such as the Top 1% Mortgage Originators in America and the Top Women Originators demonstrate her industry prowess. Awards like the Five Star Award, VIP Woman of the Year, and 40 Most Influential Mortgage Professionals Under 40 showcase her dedication and influence. She's also an esteemed member of the Chairman's Circle and President's Club.


Complementing her professional journey, Jenna holds a Bachelor of Science in Business Administration from UC Berkeley's Haas School of Business.

Branch Manager/SVP of Mortgage Lending

Jenna Gray Benett is your Lafayette local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jenna 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 Jenna at (925) 322-3162 for more information!

Jenna Gray Benett at Rate (NMLS #245851)

Nicholas is Vice President of Mortgage Lending at Rate and brings seventeen years of industry experience to his clients. During his career as a mortgage banker and broker, Nicholas has tended to the needs of a diverse clientele throughout California. Whether looking to refinance an existing loan or to purchase a new property, Nicholas and his team offer highly competitive pricing along with the full range of mortgage products and a solution-oriented approach to doing business. Our goal is to provide the best possible mortgage experience and to insure a smooth and streamlined process to save you time and money.  Whether you are a first-time buyer or interested in a refinance or new purchase, we are here to help. Loan options include low down payment programs as well as the full range of conventional, FHA, VA, and jumbo loan products. Self-employed borrowers are also supported with a wide array of bank statement and asset depletion programs.  As purchase specialists, we also offer one of the fastest and easiest application processes in the business. Simply click on my “Apply Now” link to initiate your pre-approval and take the first step to getting into your new home. In most cases, 10 to 20 minutes are all you need to secure mortgage pre-approval. Why wait? Now is the perfect time and we look forward to serving as your dedicated team!

Nicholas Ballard is your Lafayette local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Nicholas 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 Nicholas at (415) 453-6200 for more information!

Nicholas Ballard at Rate (NMLS #263995)

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.

Jason Yui is your Lafayette 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 (510) 903-2230 for more information!

Jason Yui at Rate (NMLS #1426398)

Fazal Kaka is your Lafayette local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Fazal 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 Fazal at (510) 809-8734 for more information!

Fazal Kaka at Rate (NMLS #448102)

Lafayette

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6 Loan Officers in Lafayette, CA