I have been in the Mortgage Industry for a little over 3 years. Graduating from York College in 2014 with a Business Degree, I was unsure what career path I wanted to pursue. After much consideration and three plus years of experience later, I’m happy to have found an industry that is not only challenging but fulfilling. The fast paced, ever changing nature of this job allows me to use my critical thinking, analysis, and sales skills every day. It also gave me the opportunity to return to and build a career in the town I love and grew up in, San Luis Obispo. I enjoy coming to work every day knowing I can help clients fulfill their dream of owning a home in this beautiful place. San Luis Obispo also allows me to live close to my parents, Barb and Gary, and see my sisters, Bailey and Kendall frequently when they come home to visit. When not in the office or hanging with family and friends, you can find me enjoying the outdoors, hiking, going to the beach, or playing a round of golf.

As a dedicated mortgage professional, my primary goal is to truly understand each borrower's unique financial situation, goals, and priorities. I take the time to listen carefully, ensuring I provide home financing options that are perfectly aligned with their specific needs. Every borrower is different, and I believe in offering personalized solutions that empower them to make the best possible decision for their future.  
Throughout the mortgage process, my commitment is to keep my clients fully informed and at ease. From the initial application all the way through to closing and beyond, I work tirelessly to guide them every step of the way. I'm always available to answer questions, clarify any details, and provide ongoing support, ensuring a smooth and transparent experience.  
I understand that purchasing a home is a significant life event, and I'm here to make it as straightforward and stress-free as possible. Whether it's navigating complex paperwork or offering insights into the various loan options available, my role is to ensure that each client feels confident, informed, and well taken care of. Your goals are my priority, and I'm committed to helping you achieve them with the right mortgage solution tailored just for you.

VP of Mortgage Lending

Dylan Morrow is your San Luis Obispo local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Dylan 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 Dylan at (805) 550-9742 for more information!

Dylan Morrow at Rate (NMLS #1461481)

Our team couples deep market experience with a shared commitment to responsive, consultative customer service. We understand the loan process and are dedicated to helping our clients make informed decisions. Our goal is to make getting a loan as simple and seamless as possible from application to closing. Donna has more than 25 years in the mortgage business, having been lucky enough to attend Cal Poly and make a life here after graduating in the late 80s. She raised her three daughters on the Central Coast. Ermina relocated to the region 16 years ago from the East Coast to take advantage of the SLO life. She more recently entered the mortgage industry, after many years as CEO of the San Luis Obispo Chamber of Commerce. We both share a deep commitment to our community. Donna is the current Board Chair for the Food Bank of San Luis Obispo County, a board member of Downtown SLO, and a current board member and past president of the Rotary Club of San Luis Obispo de Tolosa (Ermina is current president). Ermina also serves on the boards of French Hospital Medical Center, REACH Central Coast, the Cal Poly Center for Innovation and Entrepreneurship, and the SLO Museum of Art. We love our community and helping others find a way to finance their dream of owning a home in this special place.

Branch Manager/SVP of Mortgage Lending

Donna Lewis is your San Luis Obispo local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Donna 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 Donna at (805) 335-8743 for more information!

Donna Lewis at Rate (NMLS #245945)

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.

Eileen Mackenzie is your San Luis Obispo local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Eileen 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 Eileen at (805) 212-5204 for more information!

Eileen Mackenzie at Rate (NMLS #282909)

Matthew Janetski is your San Luis Obispo local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Matthew 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 Matthew at (805) 329-4092 for more information!

Matthew Janetski at Rate (NMLS #1002317)

Ermina Karim is your San Luis Obispo local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Ermina 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 Ermina at (805) 329-4095 for more information!

Ermina Karim at Rate (NMLS #2005928)

San Luis Obispo

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5 Loan Officers in San Luis Obispo, CA