I have been in the mortgage business for over 18 years.  I got into the business, because I liked the dynamic atmosphere that the industry provided and it also allowed me to help people achieve something that, in many cases, they don't think they can achieve.  Buying a home is one of the most important financial decisions anyone can make and I enjoy being able to help people navigate the process.  I graduated from Lynchburg College in Virginia with a bachelor's degree in Economics.  I played varsity lacrosse for 4 years and was a member of the Phi Delta Theta Fraternity.  My education and experience helps me to evaluate global and local economic trends and their impact on interest rates, so that I can advise my clients on when it is the best time to lock in their rate for their home purchase or refinance.  I currently live in Severna Park, MD with my wife Erin and our son Ashby.  We also have a loving Bassett Hound, Hank.  In my free time I like to travel, play golf, fish, coach lacrosse and football, and spend time with my family and friends.

With over 27 years of experience in the mortgage industry, I have built my career on providing expert guidance and personalized financing solutions for homebuyers and homeowners. I got into the mortgage business because I was drawn to its dynamic nature and the opportunity to help people achieve homeownership—something many don't realize is within their reach.


Buying a home is one of the most significant financial decisions a person can make, and I take pride in helping my clients navigate the process with confidence. My background in Economics from Lynchburg College has equipped me with the ability to analyze global and local economic trends and their impact on interest rates. This allows me to provide strategic advice on when to lock in the best rates for home purchases and refinances.


I currently live in Severna Park, MD, with my wife Erin, our son Ashby, and our Yellow Lab, Shep. Outside of work, I enjoy boating,golfing, fishing, and spending quality time with family and friends.

Producing Branch Manager

Rob Shepherd is your Columbia local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Rob 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 Rob at (410) 319-2374 for more information!

Rob Shepherd at Rate (NMLS #455898)

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.

SVP of Mortgage Lending

Timothy Sutherland is your Columbia local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Timothy 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 Timothy at (202) 602-0177 for more information!

Timothy Sutherland at Rate (NMLS #312357)

Sherry's unparalleled level of expertise and proficiency has been helping families purchase and refinance homes since 1997. As Vice President of Mortgage Lending, her ability to navigate through any loan process is truly commendable, making her a valuable asset to homebuyers, Agent partners and the Rate team.


Sherry's priority is to make the loan process as stress free as possible whether you are a first-time homebuyer working with very little cash, a high-end buyer looking in the million-dollar price range or a buyer who falls in between. While she is Certified in VA loans, her expertise expands to FHA, USDA, Conventional, and Jumbo, as well as a wide variety of Down Payment Assistance and Grant programs.


If you are in the market to purchase a home, trust that you will find Sherry's reputation in the industry, knowledge and proactive approach to be a valuable asset when writing a competitive offer.


Beyond her professional accomplishments, Sherry's personal life is equally fascinating. She, along with her husband Terry, resides in Annapolis with their four-legged son, Benny. Sherry is not just a mortgage expert; she's an avid equestrian and tennis enthusiast. When she's not helping her clients, she's likely on the move with Benny, riding her horse or engaging in a spirited match on the court with Terry.


When you can choose who to trust with likely the largest financial decision you will make in your lifetime, why not choose the best?


*Operating as Guaranteed Rate, Inc. in New York. Guaranteed Rate, Inc. D/B/A Rate; NMLS #2611 For licensing information visit nmlsconsumeraccess.org. Equal Housing Lender. Subject to Approval. Conditions may apply.*  
*Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.*  
*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.*

VP of Mortgage Lending

Sherry Cash is your Columbia local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Sherry 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 Sherry at (443) 333-4355 for more information!

Sherry Cash at Rate (NMLS #217409)

VP of Mortgage Lending/Renovation Specialist

Travis Halwachs is your Columbia local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Travis 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 Travis at (609) 857-6238 for more information!

Travis Halwachs at Rate (NMLS #419023)

Elbert Green is your Columbia local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Elbert 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 Elbert at (443) 564-4072 for more information!

Elbert Green at Rate (NMLS #1524646)

I have over 35 years of Mortgage Banking experience in originating and managing the business of residential mortgage lending. As a professional in the industry, I have built a reputation of outstanding service to my clients.  Now more than ever, borrowers and real estate agents require a Loan Officer with in-depth knowledge of the constantly changing underwriting guidelines, borrower beneficial regulatory changes, an understanding of every aspect of the Mortgage loan process, and the ability to tie them all together to help the customer.  You can always count on me to look out for your best interests and to keep you informed throughout every step of the lending process.  It is my goal to help you through the constant changes in the mortgage marketplace so you can quickly and efficiently find the best loan product that meets your needs and to close timely on your purchase or refinance.  I am dedicated to responsible lending practices with an unyielding commitment to customer satisfaction and delivering quality product and service to my customers and partners.  My professional and personal goals are driven by the core values of integrity, passion, commitment and loyalty. My greatest asset is the honorable way in which I choose to conduct business, always operating at the highest levels of integrity and ethical standards always looking out for the customers best interest.  This combination of industry experience, educational backgrounds, work ethic and soundness of character has helped me distinguish myself among my peers and experience long-term success with loyal clients and business referral sources.    Brian earned his undergraduate degree from George Washington University with a BA in Finance.  Originally from New York, Brian has made Maryland his home for over 35 years, currently residing in Potomac, MD.

Branch Manager/ VP of Mortgage Lending

Brian Fein is your Columbia local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Brian 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 Brian at (540) 759-7674 for more information!

Brian Fein at Rate (NMLS #368673)

As a trusted mortgage lender in MD with over two decades of experience, Pat Gannon takes great pride in helping Maryland homebuyers achieve their dreams of homeownership. After graduating from Elon University in 1996, Pat joined the mortgage industry in 1999 and quickly became the top producer at his previous two companies.  
Now at leading nationwide lender Rate, Pat brings his seasoned expertise and excellent customer service to deliver a seamless mortgage experience for borrowers across Annapolis and the surrounding areas.




**His specialties include:**  
• Conventional, FHA*, VA**, USDA mortgages  
• Home refinancing and low mortgage rates  
• Jumbo loans for luxury homes  
• First-time homebuyer loans and down payment assistance




Pat's clients consistently praise his dedication, with one saying: "Pat made our complex situation happen smoothly and got us a great rate!" Another noted, "Rate provided unparalleled service - attentive, responsive, and committed to our satisfaction."




When not assisting homebuyers, Pat enjoys quality time with family and friends, watching sports, and cooking. He lives by the principles of prompt call-backs and always following through.




If you need a reliable, highly experienced mortgage lender in MD, reach out to Pat Gannon at Rate today!




**Rate is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government.*  
***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.*

Pat Gannon is your Columbia local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Pat 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 Pat at (443) 336-1248 for more information!

Pat Gannon at Rate (NMLS #181267)

As a seasoned mortgage lender with over 19 years of experience lending throughout the country, Alex Barresi understands the unique challenges and opportunities in real estate. With an in-depth knowledge of the DC/Maryland market, Alex leverages his expertise to provide tailored mortgage solutions that fit your specific requirements. Whether you're a first-time homebuyer, a seasoned investor, or looking to refinance, Alex has the skills and insights to guide you through the entire lending process.  
What sets Alex apart is his commitment to delivering exceptional customer service. He believes in building strong relationships with his clients by providing transparent communication, personalized guidance, and unwavering support. Alex takes the time to understand your financial goals and walks you through the available mortgage options, empowering you to make confident, informed decisions.  
Alex has access to a wide range of loan programs and competitive interest rates. He diligently analyzes your financial profile, credit history, and income to identify the best mortgage solutions that align with your goals. Alex's attention to detail and dedication to finding the optimal financing options have helped thousands of clients secure their dream homes with ease.  
Not only does Alex excel in his role as a mortgage officer, but he also stays at the forefront of industry trends and best practices. He keeps a close eye on the ever-changing mortgage landscape, ensuring his clients receive the most up-to-date information and strategies to navigate the market successfully. Alex is a trusted advisor who genuinely cares about your financial well-being and long-term success.  
Alex was born in the Washington, D.C. area but grew up in Nice, France. After moving back to the U.S., he attended University of Florida where he obtained a degree in Finance and a minor in Economics. Today, Alex lives in Maryland with his wife, three children and Chocolate Lab. As a family they enjoy spending time together, traveling, playing tennis, golfing, and skiing. Alex and his family are also passionate about giving back, supporting various charities such as the Children's National, Friendship Place, World Wildlife Fund and the Anti-Defamation League. Alex has been recognized annually as a Presidents Club Producer since 2010 and has been named by the Washingtonian as "Best Mortgage Professionals and Top Producers" since 2019.  
When you choose Alex Barresi as your mortgage officer, you can expect professionalism, integrity, and a commitment to excellence. His goal is to make the mortgage process as seamless and stress-free as possible, empowering you to make confident decisions and achieve your homeownership dreams.  
So, if you're looking for the best mortgage officer in the DC/Maryland area, let Alex Barresi be your trusted guide. Contact him today to schedule a consultation and experience firsthand why he's the top choice for individuals seeking reliable mortgage solutions in the region. Your path to homeownership starts here.

Alex Barresi is your Columbia local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Alex 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 Alex at (202) 330-7503 for more information!

Alex Barresi at Rate (NMLS #483886)

Kim Earls is your Columbia local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kim 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 Kim at (410) 319-2371 for more information!

Kim Earls at Rate (NMLS #453196)

Branch Manager/SVP of Mortgage Lending

Maggie Martinek is your Columbia local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Maggie 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 Maggie at (410) 319-2381 for more information!

Maggie Martinek at Rate (NMLS #512808)

Patti grew up in Massachusetts and moved to MD, just outside of DC 20 years ago. When she moved, she also change careers and became a loan officer after 20 years as an Account Executive in the B2B Publishing world. Meeting clients, listening to their needs and coming up with solutions has always been something she enjoys. The mortgage process can be daunting to a client, making sure the client understands the products available and the mortgage process--it of the utmost importance. Giving the client a stress-free experience is always the goal. Patti has extensive knowledge of loans for high net-worth individuals with complicated tax returns. These individuals need someone who completely understand tax returns, loan program nuances and how to get it done quickly! Patti and her husband Stephen have 5 children and 4 grandchildren that all live in MD. They are happiest when they are with their grandchildren or out on their boat! Their 85lb Bernedoodle puppy Pauline, also keeps them busy. Patti is involved in many charities including St Jude and Food & Friends.

Patti O'Connor is a highly experienced Loan Officer based in Washington DC, with an impressive track record spanning over 20 years in the industry. As an originator, she is dedicated to fully understanding her clients' financial needs and possesses the knowledge and resources necessary to help them secure a mortgage that aligns perfectly with their requirements.  
With her role as an Executive Finance Manager, Patti has three fundamental goals that guide her approach. First and foremost, she aims to address any and all questions her clients may have regarding mortgage financing, ensuring they have a comprehensive understanding of the process. By simplifying the home financing experience, Patti strives to provide her clients with a seamless journey while maintaining a superior level of service.  
Building trusting relationships with her clients and their families is another key aspect of Patti's work. She understands the importance of establishing rapport and mutual understanding, fostering an environment where open communication and collaboration flourish. By prioritizing these relationships, Patti creates an atmosphere of trust and confidence, allowing her clients to feel supported throughout the mortgage process.  
Above all, Patti's ultimate objective is to guide her clients to the settlement table on time, ensuring their satisfaction and minimizing any surprises along the way. With her wealth of experience and attention to detail, she orchestrates each step of the mortgage journey meticulously, leaving no room for unexpected obstacles.  
Patti O'Connor's dedication, expertise, and commitment to providing exceptional service make her a trusted advisor for individuals seeking a mortgage in Washington DC. Whether you are a first-time homebuyer or a seasoned investor, Patti is the Loan Officer you can rely on to make your home financing experience smooth, informative, and ultimately rewarding.

Patti O'Connor is your Columbia local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Patti 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 Patti at (410) 372-4119 for more information!

Patti O'Connor at Rate (NMLS #415543)

Many grateful families in the Washington and Baltimore areas have enjoyed Victor's personable expert real estate guidance. His engineering background gives him a passion for knowing the ins and outs of how clients intend to craft their one-of-a-kind home and to help ensure they chose the most appropriate financing for their needs.


Focusing on his clients needs will continue to make Victor an industry favorite well into the future.


Victor has been the recipient of numerous professional awards but far above those are the many families that stop by just to visit with him years after their initial meeting.


Victor lives in Annapolis with his wife, two sons, German Shepard "Marie", and Coton "Ollie". Sailing, jogging alongside the Severn river, gardening, family, and forest walks are his favorite pastimes.

Associate VP of Mortgage Lending

Victor Wazen is your Columbia local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Victor 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 Victor at (443) 534-5594 for more information!

Victor Wazen at Rate (NMLS #2156865)

AVP of Mortgage Lending

Kate Estep is your Columbia local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kate 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 Kate at (443) 391-5913 for more information!

Kate Estep at Rate (NMLS #72037)

Irv Shnidman is your Columbia local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Irv 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 Irv at (410) 984-4783 for more information!

Irv Shnidman at Rate (NMLS #182740)

As an immigrant from Belarus, a post-soviet country, I understand the importance of making dreams come true and have made it my mission to help others find their way to achieve their American Dream.  
I believe in the power of community and working together to make the dream of homeownership a reality.  
With my passion for helping others and my knowledge of the mortgage industry, I am proud to be able to offer guidance and resources in every step of the home-buying process.

David Kontsevenko is your Columbia 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 (703) 679-7040 for more information!

David Kontsevenko at Rate (NMLS #1968174)

Julie Teitel is a a highly experienced loan officer with 30 years of expertise in the mortgage industry. Her clients can attest to her exceptional service, as they are consistently left extremely satisfied with the results. Graduating from Tulane University, Julie has honed her skills and specialized in financing coops and condos, with a particular focus on new condo conversions. Her in depth knowledge and understanding of the unique dynamics of the real estate markets in New York , the five Burroughs, and New Jersey make her an invaluable resource for clients seeking mortgage solutions in these regions.  
As a native of Potomac, Maryland Julie's expertise also extends to the Maryland, Virginia, Washington Dc, and Florida areas. She has a intricate understanding of the local real estate landscapes and can provide tailored mortgage advice to clients seeking properties in these regions.  
Outside of the professional pursuits, Julie has a a passion for showing horses and Pickleball, while using Yoga to balance out and maintain a healthy work – life balance.

Julie Teitel is your Columbia local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Julie 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 Julie at (571) 242-0864 for more information!

Julie Teitel at Rate (NMLS #148432)

Andy Duda is your Columbia local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Andy 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 Andy at (410) 372-4132 for more information!

Andy Duda at Rate (NMLS #476423)

Columbia

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