For Nick Long, the opportunity to help his clients' dreams become reality is what inspires him to excel in his role as Producing Area Manager and Loan Officer with Rate. With over 12 years of experience in the mortgage industry, Nick specializes in renovation financing and has the expertise and local knowledge to help his customers experience an easy and smooth loan process. "I set myself apart from the competition by always being available, getting loans completed quickly, and being truthful in my mortgage advice to my clients," he says. Nick's focus on seeing the positive in every potential homeowner and finding a way to get tough mortgages done the right way has earned him All-Star status for 9 years running. Nick has achieved President's Club status every since 2015. With two young children and a Rhodesian Ridgeback dog named Duke, Nick and his wife stay busy outside of the office. He especially enjoys spending his free time with family and friends, and is a super-proud uncle of six nieces and nephews. Nick is happy to answer any of your mortgage questions. Give him a call anytime!

Producing Area Manager

Nick Long is your Winter Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Nick 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 Nick at (321) 436-8633 for more information!

Nick Long at Rate (NMLS #398963)

Welcome to my corner of the mortgage world! I'm Katie DeShetler, your dedicated mortgage loan officer committed to simplifying the home financing journey for you.


With a passion for clear communication and a knack for making complex processes easy to understand, I strive to be your trusted partner every step of the way. Whether you're a first-time homebuyer navigating the maze of mortgage options or a seasoned homeowner looking to refinance, I'm here to guide you with expertise and empathy.


My mission is simple: to provide personalized solutions tailored to your unique needs and goals. I understand that securing a mortgage can be overwhelming, so I make it my priority to demystify the process, answer your questions promptly, and keep you informed at every stage.


With years of experience in the industry, I've cultivated strong relationships with lenders and have access to a wide range of loan products to suit various financial situations. From conventional loans to government-backed programs, I'll work tirelessly to find the right fit for you.


Beyond securing financing, I believe in building lasting connections with my clients. Your satisfaction and peace of mind are paramount, and I'll go above and beyond to ensure a smooth and transparent experience from application to closing.


Thank you for considering me as your mortgage partner. Let's embark on this journey together and turn your homeownership dreams into reality!

VP of Mortgage Lending

Katie DeShetler is your Winter Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Katie 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 Katie at (407) 612-0164 for more information!

Katie DeShetler at Rate (NMLS #1608739)

We know you have options when it comes to finding a home mortgage loan. That's why we're pleased you've taken the time to learn more about Vince and The Apex Group at Rate. The Apex Group consists of experienced and trusted professionals in the mortgage business who know how to help first time home buyers, step down borrowers and people looking to upgrade into bigger homes. Vince is part of a team that is full of great people with knowledge on FHA, VA loans, rural development mortgages and conventional lending. Rate is also one of the nation's top renovation lenders utilizing the FHA 203k and conventional HomeStyle loans. Vince would love to share more with you about our business philosophy and what drives us to be your number one choice for all your home mortgage needs.




THE APEX GROUP 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.

Vince Gaudio is your Winter Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Vince 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 Vince at (407) 612-0166 for more information!

Vince Gaudio at Rate (NMLS #1373409)

Mike Williams, Vice President of Mortgage Lending, is the father of twin girls, Kennedy & Zoe, as well as their younger sister Dempsey and sees launching the first Rate Orlando branch, The Apex Group, as a way of taking his already record-breaking business to the next level. As a former National Rookie of the Year for a large federal mortgage company, as well as a multiyear Platinum President's Club member, Mike was drawn to GR's industry-leading technology which allows him to take even better care of his clients and referral partners. When he's not wrestling with his daughters Mike's hobbies include superbike racing, competitive shooting, and training at his local MMA gym. Mike is an Orlando native and played football at Boone High School before signing on with the East Carolina Pirates and later the Valdosta State Blazers where he was starting guard for their 2007 NCAA National Championship team. Mike's 15+ combined years in law enforcement and finance have given him the edge on problem solving, finding a way to 'yes', and achieving success for all involved. Welcome to The Apex Group!


*This individual is unlicensed in the State of Georgia, has submitted a license application to the Georgia Department of Banking and Finance, and the Department may grant or deny this individual's license application.*

Branch Manager

Mike Williams is your Winter Park 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 (407) 612-0157 for more information!

Mike Williams at Rate (NMLS #1946001)

I started the industry as a mortgage foreclosure defense attorney helping people keep their homes. I then transitioned to the front end to help people get into the best loan product to fit their needs. I love to fish, boat, and scuba dive. I love helping people and making new connections. I have two great dogs that love to fish with me.

Gregory Tucker is your Winter Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Gregory 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 Gregory at (407) 612-0162 for more information!

Gregory Tucker at Rate (NMLS #1926514)

I was born in Winter Park, Florida and started in the mortgage industry in 2002. I first started in secondary marketing and assisted retail and wholesale clients in locking in interest rates, and later transitioned to inside and outside sales on the wholesale side for almost five years. After moving to Charleston, SC for 8 years, my family decided to relocate back to Orlando, FL. In 2020, I rejoined the mortgage industry as a loan officer assistant and a processor and ultimately transitioned to a loan originator. In my first year of originating, I was blessed to earn the "President's Club" award, and I also earned it the following year as well as the "CEO Circle" award at a previous company. I recently joined Rate and I was able to earn the "President's Club" award this year too.




With my vast knowledge and background in this industry, you can be rest assured that you will be in great hands during the whole loan process. I have multiple family members in the mortgage industry and I truly treat every client like a family member. I am big on communication and delivering on what I say. I really believe that you won't find anyone else out there that will work harder for you. I am married to my wonderful wife Jennifer, who is also in the mortgage industry. Together we have three children, and a rescue dog.

Jason Pughe is your Winter Park 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 (407) 448-7987 for more information!

Jason Pughe at Rate (NMLS #1801991)

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.

Chris Hardiman is your Winter Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Chris 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 Chris at (407) 612-0158 for more information!

Chris Hardiman at Rate (NMLS #1708961)

The Tim Bargfrede team has a true passion for helping families grow their wealth through real estate financing and debt management. Where most lenders will sell you debt and help you through a transaction for 30 days, we're interested in building lifelong partnerships to grow your wealth, to proactively plan for your real estate future, and to conquer your financial goals.  
The home buying process can be intimidating, and our mission is to make your experience as smooth and painless as possible. Our team will support you every step of the way, from the initial call to closing (and beyond), to ensure you stay well informed.  
We believe we have a professional responsibility to manage your mortgage for you, so we'll constantly be monitoring the market, ensuring that your payment, equity position, and cash flow are always in alignment with your short to long-term goals. Our team will provide you with a road map to achieve financial success. We've helped hundreds of clients with everything from buying a single home to building massive portfolios.  
While Tim isn't working with his amazing clients, he loves spending time with his beautiful wife, Michelle, and their 3 kids...their daughter, Palmer, and their identical twin boys, Luca and Landon (who are only 16 months apart). He also enjoys fitness, traveling, golf, and a nice glass of vino.

Tim Bargfrede is your Winter Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tim 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 Tim at (407) 612-0163 for more information!

Tim Bargfrede at Rate (NMLS #1490916)

We know you have options when it comes to finding a home mortgage loan. That's why we're pleased you've taken the time to learn more about myself and Rate. For me, the opportunity to help my clients' dreams become reality is what inspires me to excel as a member of the Apex Group with Rate. Because I know that many people are often unaware that they qualify for a mortgage and, as a result, end up paying a lot of money in rent, I make it a priority to educate my clients on home loan options for first-time homebuyers. As a member of the Apex Group, I take considerable pride in guiding my clients through the home loan process to find the best terms available to meet their needs and achieve their financial goals.  
"I'm very easy to talk to and will do my best to give you the finest mortgage lending experience and ensure the process is as smooth as possible,". "My borrowers aren't just clients, they're my responsibility and I care for each and every one."  
Whether you are a first time home buyer or seasoned owner, you can trust my team and I 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.

Sameh Ghazal is your Winter Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Sameh 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 Sameh at (407) 550-0411 for more information!

Sameh Ghazal at Rate (NMLS #1757934)

Juan Escobar arrived to the US from Colombia at the age of eight years old. His parents, Gonzalo and Ofelia, wanted to provide their kids with the opportunity of living the American dream. With this in mind, he has taken advantage of every opportunity that is out there in order to be successful. Juan graduated with a Finance degree from the University of Central Florida in 2014, which led him to his first job in the tech industry for a small startup during his junior year and he was with them for 8 years . There he gained experience in financial analysis, reporting, sales, customer service and what it takes to grow his own business. These are all tools that have allowed him to grow at the pace that he has over the past three years in the mortgage industry. On top of that, he has been investing in real estate since 2016 at the age of 24 and has a continuous growing portfolio of long and short term rental properties. With his broad experience, Juan is dedicated and capable of helping first-time home buyers, move-up buyers, investors, high-net worth clients and more with their financing needs. Juan's biggest asset is that he is truly always looking out for what's best for the client, whether that means providing them a path in order to for them to qualify in the future if not capable of doing it right away, ensuring that the borrowers are educated throughout the home buying process, and always being available for his clients and agent partners. He treats all of his customers as family members and understands that this business isn't transactional, but a relationship business. His goal is to be your lender for life, not a one-time transaction. The same goes with his real estate partners. He wants to help them grow as much as he wants to grow himself.  
Juan is part of the APEX Group led by Nick Long and Chris Hardiman, two of the top producers in the Central Florida area, with their knowledge and expertise and the tools provided by Rate, you will not go wrong choosing Juan as your Mortgage Consultant.  
Juan Escobar's family consists of his wife Lisa, daughter Luci, and dogs Rupert and Lola. His favorite hobbies are playing golf, watching sports, and continuing building life-long relationships with friends and clients.

VP_DE_PRéSTAMOS_HIPOTECARIOS

Juan Escobar is your Winter Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Juan 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 Juan at (407) 267-4028 for more information!

Juan Escobar at Rate (NMLS #1996448)

Cooper Long, a native Floridian, was born in Boca Raton where he spent his first 9 years, eventually moving to Central Florida where he calls home. In his 22 years in Central Florida, he has lived in Windermere, UCF area, Colonial Town, Belle Isle, and Winter Park. Cooper's immediate family and extended family have always been very active in the real estate market and the mortgage industry, so it seemed only natural for Cooper to follow in those footsteps. He started his mortgage career in 2016 as a loan originator and quickly worked his way up to Sales Manager. Cooper is known for his uncanny ability to solve problems which enables him to package the perfect loan for his clients. He also has a great understanding of the rules and regulations of the mortgage industry which allows him to prevent obstacles and give his clients the best experience he possibly can. These experiences have led him to join, as Branch Manager/VP of Mortgage Lending, with the Apex Group at Rate. His goal is to educate clients from all backgrounds and walks of life throughout the mortgage process. He understands that whether you are buying your first home or been through the process before, the experience can be, to say the least, overwhelming. That is why he wants you to know he will be available to walk you through every step of the process and answer all question from the moment he takes your application until the day you close on your home.  
Cooper shares his Winter Park home with his lovely wife Emily and their Catahoula Leopard dog, Koda. In his free time Cooper enjoys working out, hiking, golfing, cooking, and spending quality time with family and friends.

Branch Manager/VP of Mortgage Lending

Cooper Long is your Winter Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Cooper 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 Cooper at  for more information!

Cooper Long at Rate (NMLS #1284548)

Joe Olmsted is your Winter Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Joe 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 Joe at  for more information!

Joe Olmsted at Rate (NMLS #1652588)

Ever since I was born the mortgage/real estate business has been a part of our family. My grandparents were real estate agents, my parents, my brother, my aunt and cousins are in the mortgage business, and my sister in real estate. The mortgage business is also where I met my husband 18 years ago. It's just who we are! I have always been someone who is happiest helping others, whatever that looks like in any capacity. It fills my heart. I love that through this industry I get to fulfill that daily in helping borrowers achieve their dream of homeownership! I work alongside my husband Jason as a mortgage team. We are here to help you in any way that we can. We value exceptional communication and our passion is partnering with you to learn about your goals for homeownership. We take pride in thoroughly educating our 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 a seasoned owner, you can trust us and our team with all of your home financing needs. We look forward to working with you!

Jen Pughe is your Winter Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jen 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 Jen at (407) 612-0173 for more information!

Jen Pughe at Rate (NMLS #1740951)

Stephan Oliveros is your Winter Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Stephan 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 Stephan at (407) 204-7776 for more information!

Stephan Oliveros at Rate (NMLS #2263869)

Holly Kersey is your Winter Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Holly 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 Holly at (407) 232-8357 for more information!

Holly Kersey at Rate (NMLS #2381933)

I was born in Porto Alegre, Brazil and raised in Orlando. I have a bachelor's degree from Florida State University in Political Science and International Affairs as well as a master's degree from Louisiana State University in Curriculum and Instruction. I am married and have two daughters, Sofia and Norah. I enjoy watching FSU football, playing golf, and going to the beach.

Walbert Rocha is your Winter Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Walbert 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 Walbert at (407) 743-1802 for more information!

Walbert Rocha at Rate (NMLS #2476807)

I have worked in the residential real estate market in Central Florida for over 20 years. By being an expert in the industry and experiencing 1000's of real estate transactions, I can solve problems and find solutions commonly overlooked to help a buyer purchase a home. I offer the unique insight from years of being a title manager and real estate agent to the mortgage loan officer experience. I care about my clients and genuinely want to see them succeed in purchasing a home. I am more than a transactional loan officer and want to have a long-term relationship with my clients and be their mortgage lady for life.

Bernice Bailey is your Winter Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Bernice 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 Bernice at (321) 408-5413 for more information!

Bernice Bailey at Rate (NMLS #1702336)

Born and raised in the heart of Central Florida, David has deep roots and a strong connection to the local community. David is a dedicated Vice President of Mortgage Lending, combining extensive industry expertise with a commitment to personalized service. With a passion for helping people achieve their homeownership dreams, David brings a wealth of knowledge and a personal touch to the world of mortgage lending. Whether you're a first-time homebuyer or looking to refinance, David is dedicated to guiding you through every step of the process with professionalism and care. Outside of work, David enjoys spending quality time with his family. He is a proud husband, father of two children, Alumni of the University of Central Florida and Rollins College, and avid fisherman. David understands the importance of finding the perfect home for families, as it mirrors his own experiences and values. David is here to make your home buying experience as smooth and rewarding as possible.

David Serrao is your Winter Park local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, David 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 David at (407) 550-0415 for more information!

David Serrao at Rate (NMLS #2495144)

Winter Park

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18 Loan Officers in Winter Park, FL