Providing extraordinary service is simply the standard.  With over 23 years experience in banking and lending services, I help my clients navigate a complex mortgage market by providing education on current products and working as a team with Realtors and escrow agents.  Troubleshooting loan scenarios, property hurdles and credit issues has always been one of my strengths.  Understanding guidelines is the foundation for getting loans closed in a timely manner. I have been a property owner in Oakland and San Francisco since 1998 and experienced the housing market volatility.  I have been the trusted lender on several new Condo developments.  Although my specialty is Condos, live/work and 1-4 unit financing, I also help first time buyers through the wide range of down payment assistance programs and grants including FHA 203k, CalHFA, and SF/Oakland city down payment programs.

VP of Mortgage Lending

May Montana is your San Francisco local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, May 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 May at (415) 429-4972 for more information!

May Montana at Rate (NMLS #239533)

**Dean Rizzi** is a top 1% Loan Officer and has closed over $2 Billion in funded loans in the course of his tenured career. He and his team deliver a high-touch, high-consultancy philosophy to service, with the goal of being your lender for life.


Dean and his team are committed to honest service, low interest rates, and a stress-free mortgage experience. Equipped with over 25 years of mortgage lending experience, Dean works closely with real estate agents throughout San Francisco/North Peninsula and the Tahoe/Truckee areas to ensure an efficient process for every client. Dean's business philosophy is simple and straightforward: "I strive to keep my clients for life," he says.


When you work with Dean and his team, you can expect plenty of communication, a timely closure and no surprises. Every day, Dean thoroughly researches and analyzes loan programs offered by lenders across the country to stay well-informed, answer questions and find the best possible interest rates for his clients. From homebuying to refinancing, Dean takes special care to pick the right loan product for his clients' needs.


In his spare time, Dean enjoys the mountains, golf, fishing, mountain biking, and playing guitar. Dean is an avid dog lover and supporter of the Society for the Prevention of Cruelty to Animals (SPCA).


**About Dean's Team:**


**Chance Haynie** (*Associate VP of Mortgage Lending*) has been with Dean Rizzi for over 13 years and is one of the lead drivers of our team's success. He excels at knowing guidelines inside and out to make sure the product selected is the perfect fit for our borrowers. He is there to answer questions for our borrowers and agent partners, keeping them up to date on everything from needed documents to where the loan is in process. Chance is dedicated to making sure loans close accurately and efficiently.


*Applicant subject to credit and underwriting approval. Restrictions apply.*

Branch Manager/SVP of Mortgage Lending

Dean Rizzi is your San Francisco local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Dean 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 Dean at (415) 517-7800 for more information!

Dean Rizzi at Rate (NMLS #237278)

CJ has helped people achieve their homeownership goals for over 30 years. His personal mission is to provide his clients with an exceptional experience in purchasing or refinancing a home. CJ's top priority is to make the loan process as convenient, transparent and simple as possible. Through dedication to his customers, CJ has consistently been named in the Top 1% of Loan Originators in the country.



** For Real Estate Agents:** I have partnered with some of the top real estate agents in the Bay Area and am a founding member of the San Francisco Insider’s.   I take pride in providing honest communication, consistent follow-through, transparency and respect for all parties in the transaction. I will work with your clients to help them understand how much home they can qualify for, and problem solve from beginning to end, to ensure that the loan closes on or before the close of escrow. I am always keeping myself educated and up to date with all of our loan investors which gives me the ability to come up with creative lending solutions to accommodate the needs and wants of Homebuyers. My specialties include: •	Self-Employed/Complex-Income Borrowers •	First-Time Homebuyers •	Education & Advising •	Condo financing •	Jumbo financing •	FHA/VA financing •	Doctor’s loans •	RSU Income

CJ Kerls is your San Francisco local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, CJ 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 CJ at (415) 586-6003 for more information!

CJ Kerls at Rate (NMLS #243438)

Sylvia Curletto has been in mortgage lending for over 25 years.  Her experience in both residential and commercial loans is vast.  Not only does Sylvia aim for excellence in packaging a mortgage application, she excels in understanding even the most complex details of a transaction, and communicates them clearly to underwriting.  She is all about knowing the guidelines and getting things done.   Sylvia’s driving philosophy is delivering what is promised.   She takes a “hands-on” approach and getting to know her clients is number one.  Everyone has different financial needs and objectives and it is important to her that each and every person she works with makes the most informed financial decision they possibly can.  Not only are mortgages about the rate, but they are about the plan.   Most of her business comes from a referral basis and every day she feels blessed being surrounded by family, clients, and friends.

Vice President of Mortgage Lending

Sylvia Curletto is your San Francisco local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Sylvia 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 Sylvia at (415) 694-5536 for more information!

Sylvia Curletto at Rate (NMLS #245392)

A Mortgage Consultant since 2002, I joined Guarantee Mortgage in 2010 after five years as a Case Manager and Home Buyer Counselor with the Bay Area’s premier First Time Home Buyer Down Payment Assistance Program administrator.  A Michigan native, I moved to San Francisco in 1980. In 1990 I married my wife Toni and we purchased our home on Potrero Hill: a TIC, which we condo converted in 1992. I serve as President of our Home Owner’s Association.  Toni & I, both veterans of the fine dining industry, enjoy camping and fly fishing together and are members of the Potrero Hill Community Garden.  I also enjoy hunting, woodworking, and handcraft bamboo fly fishing rods.

Jeff Parrott is your San Francisco 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 (415) 694-5518 for more information!

Jeff Parrott at Rate (NMLS #318227)

Stephen has been a residential loan agent for the last 20 years.   His focus has been helping clients in San Francisco and across the state of California.  During the last couple decades Stephen has been able to develop a strong network of past clients and Realtors.   All of Stephen's business comes from referrals from that network.   When Stephen isn't working on your loan, he can be found cycling , skiing or travelling!

Stephen Barber is your San Francisco local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Stephen 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 Stephen at (415) 694-5550 for more information!

Stephen Barber at Rate (NMLS #57715)

With over 20 years of experience originating loans, I have helped countless people achieve their dream of homeownership. Almost all my business comes through referrals from satisfied people who appreciate my personalized approach and dedication to finding the best mortgage solutions for their needs.  
As the second largest retail lender in the US, Rate has access to preferred rates and programs that others can't offer. My extensive knowledge of the market and access to a broad range of loan programs allows me to tailor a mortgage solution that is perfect for your unique situation.  
With my expertise and Rate's cutting-edge technology, I streamline the process to ensure a smooth and transparent mortgage experience.  
Whether you're a first-time homebuyer or a seasoned real estate investor, my team and I are here to guide you through the process and make it as seamless as possible. Please reach out to me if you would like to set up some time to talk or if you have any questions. I'm here to help.

Glenn Rodriguez is your San Francisco local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Glenn 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 Glenn at (415) 652-6857 for more information!

Glenn Rodriguez at Rate (NMLS #238969)

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.

Robert Imazumi is your San Francisco local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Robert 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 Robert at (415) 429-4965 for more information!

Robert Imazumi at Rate (NMLS #1199287)

Graduated from UC Davis. I've been in the business about 16yrs. I'm a fitness enthusiast.  I believe in the long term value of relationships and friendships with all my clients.

SVP of Mortgage Lending

Kami Zolfaghari is your San Francisco local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kami 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 Kami at (415) 260-7779 for more information!

Kami Zolfaghari at Rate (NMLS #281576)

Dianne has been a licensed mortgage lender since 2002 and is a nationally recognized mortgage expert. Dianne currently serves as a Regional Manager and Senior Vice President of Mortgage Lending at Rate, one of the nation's largest mortgage lenders. In 2020, Dianne closed $385 million in volume and $455 million in 2021.




Dianne has numerous accolades throughout her long, impressive career in the industry. She has ranked consistently in the Chairman's Circle at Rate; she consistently ranks highly among Scotsman Guide's Top Originators (#5 among women originators as of 2021), and she is an annual member of the Top 100 by Mortgage Executive Magazine, the Top 1% by National Mortgage Daily, and Top 20 Women of Influence by HousingWire. She was named "Affiliate of the Year" in 2018 by the Oakland-Berkeley Association of Realtors.




Whether you're buying a home or refinancing for a lower interest rate, Dianne is here to help. As the second top-producing female loan officer at Rate, she can secure competitive mortgage rates for her clients. She takes a personal interest in each of her clients and provides customized, responsive services tailored to each client's unique wants and needs. Her goal is not just to meet client expectations but to exceed them. Dianne is a firm believer in client education and collaboration. Her goal is to obtain the strongest financing possible and for each of her clients to be confident in their decisions.




Dianne has an undergraduate degree from UC Berkeley, Economics with Honors and a Law Degree from UC Hastings. She is a California native and an active member of the San Francisco Bay Area community where her offices are located. She's on the Board of Directors for Berkeley Symphony and the Affiliate Board Member of the Bridge Association of Realtors. For the past six years, Dianne has served as a member of the Bridge Association's Community Foundation, dedicated to raising money and offering grants to the homeless, elderly, and youth in the Bay Area counties.




Dianne is Chair of Rate Organization for Women (GROW), dedicated to supporting women's personal and professional growth in the mortgage lending industry. Dianne is an empty nester who raised her three children in Oakland as a single mom before remarrying in 2018. Her blended family now includes 5 "adult" children, giving Dianne a keen awareness of the challenges facing clients just starting and those making big changes in their lives. Dianne is proud to make the San Francisco Bay Area her family's home and even prouder to make the dream of homeownership possible for her clients.




Rate is able to lend in all 50 states, and Dianne is licensed in AZ, CA, HI, IL, IN, IA, MT, OH, OR, TX, and WA.

SVP, Regional Manager

Dianne Crosby is your San Francisco local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Dianne 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 Dianne at (510) 269-4184 for more information!

Dianne Crosby at Rate (NMLS #304682)

Most mortgage lenders probably weren't raised on a farm in Eastern Washington, learning to drive a truck before a car, plunging their hands into the Earth, harvesting wheat as a 12-year-old from the crack of dawn until after sunset.


But Mark was.


During these formative years, he grasped the timeless values of curiosity and a relentless work ethic. A few years later, these same values landed him a robust sales gig for Bose Corporation where—as a budding college student—he was flown around the country selling newly-invented speaker technology.


After 10 years at Bose climbing the ranks to national sales manager of the catalog division ("and if that doesn't date me, I mean really what does?!"), Mark became captivated by the people-centric nature of the real estate industry. He was particularly fascinated by the unique work loan officers conducted to help ordinary people secure the most critical asset of their lives: a home.  
*"I realized just how real the barrier was between renting a home and being able to buy one and I felt that I could really change people's lives by helping them break through that barrier."*


Mark has been a lender since 1999 working with borrowers and realtors from all backgrounds and walks of life. He specializes in first-time home buyers, FHA/VA financing, complex-income borrowers, and condo financing. He has been the preferred lender for large, multi-home projects such as The Hideaway in Goleta, Vineyard Village in Buellton, and Pasadera in Guadalupe.


For his clients, he delivers an unparalleled level of communication and charisma, check-in calls every Tuesday, expert knowledge of even the trickiest loans, and a human touch that softens the entire process.


When Mark isn't tirelessly fighting for your loan, you'll find him meditating, venturing to the beach with his husband Craig and his pup Plover, and sipping a chilly Manhattan served up after work.

Mark Johnson is your San Francisco local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Mark 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 Mark at (805) 448-6094 for more information!

Mark Johnson at Rate (NMLS #451091)

As a Bay Area native, Ashley thoroughly understands the unique lending requirements of the Bay Area. She has a BS in Business Administration and is a CA DRE licensed lender. Ashley appreciates the trust her clients and real estate agents place in her, always striving to deliver more than they expect.


Ashley Card has helped hundreds of families achieve their dreams of home ownership. As a seasoned veteran with over 18 years of lending experience, she knows what it takes to guarantee a smooth loan process. Whether you are buying your first home or your dream home, making an investment, or refinancing to lower your payments or consolidate debt, she can help you through the process. Ashley has returned to Marin after 25 years of living in San Francisco and enjoys hiking, traveling, taking in concerts and plays, cheering on the Warriors and Volunteering at Guide Dogs For the Blind.


Ashley received the amazing recognition by Mortgage Executive Magazine in 2018 thru 2021! This recognition celebrates her service, dedication, and hard work among the Top 1% of Mortgage Originators in America. She also was a ++Top Producer from 2018 to 2024.++. For tailor-made solutions, let Ashley start working for you today!

Ashley Card is your Bay Area (San Francisco, Marin, Sonoma, Napa, Contra Costa, Alameda Counties Etc.) local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Ashley 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 Ashley at (707) 343-9768 for more information!

Ashley Card at Rate (NMLS #291630)

Over 18 years of experience as a loan officer and have worked with everyone from first-time home buyers to seasoned real estate investors. I listen to my clients, work closely with them to find the best product for their needs, and am fully transparent about the process. I specialize in mortgage loans for single-family homes, condominiums, 2–4-unit buildings, and commercial properties in CA, AZ, OR, WA, CO, UT, TX, FL & ID. This includes, but is not limited to, jumbo, Fannie/Freddie, VA, reverse mortgages, and more!

Rachel Bernstein is your San Francisco local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Rachel 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 Rachel at (415) 338-0239 for more information!

Rachel Bernstein at Rate (NMLS #306889)

San Francisco

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13 Loan Officers San Francisco, CA