With 40 years of experience as a mortgage loan originator, I am passionate about helping people achieve their dream of homeownership. My success is based on my industry knowledge, world-class customer service, and ability to recognize and resolve potential setbacks. To me, it is important you have an experienced mortgage lender who can present all available options to make sure you find the best mortgage for you and your family. I am a native of Barrow County, GA., obtained my BBA in finance from the University of Georgia and later earned an MBA from Brenau University. I specialize in all loan types, including FHA, VA, conventional, jumbo and USDA loans. Contact me today to get started on your journey home!

Area Manager

Mike Grace is your Athens 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 (706) 534-6516 for more information!

Mike Grace at Rate (NMLS #447901)

I've been in Mortgage Lending for 16 years and it's been my pleasure to assist every single client with their homeownership dreams. It's an honor to say almost all of my business comes from previous clients and referrals from those same clients. My attention to detail is what I believe sets me apart from my competition. Small things can grow into larger issues and catching them on the front end helps ensure a smooth closing process. When I'm not working, I enjoy spending time at the lake or traveling with my wife Sarah and daughter Taylor.

VP of Mortgage Lending

Anthony Leatherwood is your Athens local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Anthony 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 Anthony at (404) 900-5724 for more information!

Anthony Leatherwood at Rate (NMLS #450665)

se habla Español




As a native of Athens, GA, I bring a deep understanding of our local community to my role as a loan officer at Rate. Growing up with a father who has worked in the mortgage industry for over 40 years, I developed a passion for home financing from a young age. This lifelong exposure has given me unique insights and a strong foundation in the field.




I hold a Bachelor of Science in Finance with a minor in Spanish from Berry College, where I also competed in Varsity Cross Country and Track & Field. With five years of experience originating loans, I am dedicated to helping clients achieve their dreams of homeownership.




Currently, I am honored to serve as the President of the Mortgage Bankers Association of Georgia - Northeast Georgia Chapter. My commitment to my clients is to ensure a smooth and timely loan process, maintaining open communication with both real estate agents and buyers throughout. I thoroughly evaluate all loan options for each client, ensuring that I find the best fit based on their unique situation and goals.




I specialize in a wide range of loan products, including Conventional, FHA, VA, USDA, Jumbo, Renovation, Down Payment Assistance, HELOCs, Georgia Dream, Personal Loans, and Investment Properties. No matter the loan type, I am here to provide expert guidance and support.




Outside of work, I enjoy running, traveling, exploring new foods, and watching Georgia Football and the Atlanta Braves. I look forward to assisting you on your journey to homeownership!




Aviso de Exención de Responsabilidad: Todas las negociaciones y los Documentos de Transacciones de Préstamos Hipotecarios se realizarán y serán proporcionado en Inglés. Le sugerimos que trabaje con un intérprete de su elección.

VP_DE_PRéSTAMOS_HIPOTECARIOS

Morgan Grace is your Athens local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Morgan 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 Morgan at (706) 534-6527 for more information!

Morgan Grace at Rate (NMLS #1748912)

With his years of experience, Trowell has the knowledge and attention to detail that benefits his clients. Starting in the mortgage business in 1999, he’s worked with one of the top national lenders and was ranked in the top 10%. His move to Rate gives him the ability to utilize his skill in home lending and serve his clients in a timely manner which is critical when you are dealing with closing on time!  Born and raised in Donalsonville, GA, Trowell is a graduate of the University of Georgia and has lived in the Athens area since 1994.   Communication is the key to everything he does when working with homebuyers and agents for a smooth homebuying experience. Knowledgeable in conventional, FHA, USDA, VA, and first-time homebuyer financing, Trowell works closely with each client guiding them smoothly home.

Branch Manager/VP of Mortgage Lending

Trowell Jernigan is your Athens local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Trowell 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 Trowell at (706) 207-9747 for more information!

Trowell Jernigan at Rate (NMLS #450353)

Whether you are buying, selling, refinancing or building your dream home, you have a lot riding on the performance of your mortgage professional. With more than 24 years of experience in the mortgage industry, Brandi is a true professional who strives to find the best financing solutions to fit each customer's needs. She believes that providing world-class customer service by educating her customers, understanding their unique situation, and engaging in honest and clear communication is essential to ensure a smooth mortgage experience. Brandi is committed to being accessible to her clients, builders, and real estate partners in order to keep all parties informed throughout the loan process. Specializing in first-time homebuyer, new construction, conventional, FHA, VA, USDA and jumbo loans, as well as REO foreclosures, Brandi has a broad range of experience and looks forward to putting her expertise to work for you!

Brandi Silcox is your Athens local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Brandi 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 Brandi at (706) 534-6518 for more information!

Brandi Silcox at Rate (NMLS #1305323)

I live and breathe mortgages and the financial market. I've been in mortgages and consumer lending for over 20 years. I'm even married to an underwriter - my wife, Shannon, also works me and the team! See why I say I live and breathe it?! Reach out to me today to discuss financing options with a variety of programs and in-house underwriting. Our loan funding process is smooth and simple thanks to Rate's industry-leading technology and low, low rates.

Dustin Pickett is your Athens local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Dustin 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 Dustin at (706) 534-6521 for more information!

Dustin Pickett at Rate (NMLS #150770)

My experience and passions include: Christian discipleship, dedicating my time to my wife and children, and being a trusted and moral businessman.   I have worked in the Financial Industry since 1998 in various roles ranging from customer service to accounting and project management to wholesale management.  I have been honored to be award the Who's Who among America's Sales professionals in 2010 and the Silver Shovel by the Hall County Chamber of Commerce in 2010 for excellence in service.  Being involved in my community is very important to me as well. I have been involved through the Hall County Chamber of Commerce by serving on the Healthcare committee, and planning committee for the Corporate Challenge and Healthfair. I have also been involved at Lakewood Baptist Church as a deacon minister, Sunday school teacher, and spearhead for the "Datenite" marriage ministry.  Specialties: * Time Management * Prioritizing needs and tasks * Raising office morale * Organization * Positive thinking * Team Building * Client relationship building  Now as a mortgage expert, I see myself as your home buying caddy! My job is to help you understand the right loan programs for you, assist you during the process, and assure that everything goes through as smoothly as possible. I will provide you with top-shelf products with unmatched services, and honesty and integrity along the way. Don't let the stress of the homes buying process rob you and your family of the excitement that comes from finding that dream home!

Ben Bahnsen is your Athens local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Ben 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 Ben at (678) 294-4980 for more information!

Ben Bahnsen at Rate (NMLS #1574116)

Todd has been originating loans since 2011, and is licensed in the State of Georgia. He loves working with First Time Homebuyers, as well as seasoned purchasers. He enjoys spending time with his adult children, as well as my blended family with Lisa and her son Lucas. His hobbies include: hunting, fishing and playing golf when time allows and attending live music shows. He also loves to watch / listen to college football (Go Dawgs). He is an active member of the Walton Barrow Board of Realtors, and previous member of Barrow County Builders Association.

Todd Everette is your Athens local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Todd 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 Todd at (706) 534-6344 for more information!

Todd Everette at Rate (NMLS #370306)

I am a proud native of Dawsonville, Georgia, and have had the honor of serving the people in the surrounding areas of my lifelong home.


This year my husband Steven and I will be celebrating 31 years of marriage. We take pride in our marriage and our two children, who are both currently navigating the exciting path of adulthood. Beyond work, my heart finds solace in family moments, the timeless charm of old  
movies, and the enriching experiences of travel. My personal passions bring balance to my life and contribute to a vibrant canvas of shared memories.  
With 26 years in the mortgage industry, including three at the helm of my own brokerage, I proudly declare, "*I am your loyal lender*."


As your *loyal lender,* I believe in educating each customer, while understanding each of their unique situations, and being honest in each conversation. I stand on the belief that a *loyal lender* should have clear and honest communication with each customer, which is the foundation and vitality for sure success in each customer's home ownership.


For any specific questions or deeper connections, feel free to ask. As your dedicated and *loyal*  
lender, I'm here for you!

Tabatha Abbott is your Athens local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tabatha 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 Tabatha at (770) 863-7295 for more information!

Tabatha Abbott at Rate (NMLS #206076)

Father of 3 boys currently living in Buford. Graduated locally from Brookwood High School in Gwinnett County. Graduated from Ga Tech with Bachelors degree. Played college baseball at Dekalb College and Ga Tech . Was drafted in the June 1990 Major League Baseball draft and joined Pittsburgh where I played 5 seasons . Been in the mortgage business managing and originating for the past 25 years with various companies.

Tom Green is your Athens 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 (404) 907-1197 for more information!

Tom Green at Rate (NMLS #455500)

I was born and raised in Athens, Georgia, where I played baseball and football growing up. I graduated from North Oconee High School in 2007 (Charter Class) and went on to play college baseball at Augusta State, South Georgia Junior College and UGA. I attended the Terry Business School at the University of Georgia, where I graduated with a degree in Finance. I have been in the mortgage business for the past 11 years. My wife, Madeleine, and I have two beautiful daughters named Millie Grace & Finley Mae. We have a black lab named Waylon. I love to play golf, fish, hunt, work out and spend time with my family. I love watching sports, football, baseball and golf.

Justin Roberts is your Athens local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Justin 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 Justin at (706) 247-8056 for more information!

Justin Roberts at Rate (NMLS #919285)

With 20 years of experience in the mortgage industry, I am passionate about helping people achieve their dream of homeownership. My goal is to provide the highest level of customer service so that your experience is stress-free, memorable, exciting, and rewarding. I specialize in all loan types, including FHA, VA, conventional, jumbo and USDA loans. 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. My success is based on my industry knowledge, world-class customer service, and ability to recognize and resolve potential setbacks. Whether you are a new home buyer or an experienced investor or anything in between, I pride myself in simplifying the process with open and transparent communication. I know and understand this is your biggest investment and I will help explain every step of the process to ensure you fully understand your options and loan programs we have to offer. I will take the time to understand your short term and long term goals and to ensure that you are making an informed decision. My favorite part of this job is meeting new people, building trust as an experience professional and making long lasting relationships. I look forward to helping you with your home loan needs!

Karin Beatty is your Athens local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Karin 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 Karin at (706) 438-6568 for more information!

Karin Beatty at Rate (NMLS #1896649)

Meet Kevin Nelson - your trusted go-to expert for all your mortgage needs! With over 14 years of experience in the business, Kevin is committed to delivering top-notch service with a passion for helping. First-time homebuyers love Kevin for his accurate and reliable financing options, excellent communication and always being available day or night. Kevin also is passionate and skilled on helping move-up buyers count on him for fast service and always offering competitive terms and rates. VA, FHA, or Construction loans are also part of his expertise, so no matter where you're at in your home-buying journey, Kevin's got your back. Kevin is also dedicated to supporting diverse markets and underserved communities. He understands that equity and access to homeownership are critical to building wealth and stability, and he works hard to provide financing options to individuals and families from all walks of life. Through education, resources, and personalized financing options, Kevin educates and empowers his clients to achieve their homeownership goals. When Kevin is not busy helping homeownership goals come true for his client and community he is usually out and about with his three children (two boys and a girl) whether shuttling back and forth from sports, parks and playgrounds, Kevin is always on the go Dad and in his rare free time likes to get in a round of golf or two! If you're ready to start off on your homeownership journey or continue your next one, give Kevin a call, text or email and he will be honored to work together to make your goals come true!




*Rate 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.*

Kevin Stanley is your Athens local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kevin 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 Kevin at (706) 247-8058 for more information!

Kevin Stanley at Rate (NMLS #457721)

Meet Karen Luke – the mortgage lady who is going to help you through this process of buying your next home. Whether it's your first time or your 10th time, Karen is available to answer your calls and texts in a timely manner to make your purchase as smooth and pleasant as possible. Karen got her start in real estate in the marketing department of a large real estate auction company based in South Georgia and later became licensed to broker real estate as well as manage rental properties. With over 20 years experience in marketing, sales and management, her real estate experience is broader than most. Find out the price range you might qualify for. Or, just give her a call or text with your questions.

Karen Luke is your Athens local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Karen 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 Karen at (706) 534-6342 for more information!

Karen Luke at Rate (NMLS #2217854)

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.

Andrew Cullum is your Athens local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Andrew 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 Andrew at (678) 820-3477 for more information!

Andrew Cullum at Rate (NMLS #2599167)

Shannon Pickett is your Athens local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Shannon 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 Shannon at (706) 534-6520 for more information!

Shannon Pickett at Rate (NMLS #1620890)

Athens

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16 Loan Officers in Athens, GA