Angela started working in the mortgage industry in 2005 and immediately loved everything about the business. She says that her favorite part is helping her buyers and real estate agents in giving them the service they deserve. It wasn't long until she climbed to the top and was recognized by Scotsman Guide in the Top 1% of Originators Nationwide, she has been on that list for 7 consecutive years since. Angela has personally originated over 1 Billion in mortgages, she specializes in the purchase market and loves to educate and help her buyers throughout the whole process. She believes if you do good then good comes to you. She treats every transaction as if it's her own. Angela is a trusted lender for over 100 top real estate agents in Michigan, many CPA's and financial advisors, she has built her network off of delivering the best service and getting the job done. She says the biggest compliment is a referral and I will never let anyone down that puts their trust in me to handle their clients, family members or friends.  
When not working Angela loves spending time with her husband Kenny and 3 daughters Samantha, Sadie and Adrianna.

Producing Branch Manager-SVP of Mortgage Lending

Angela Kakos is your Sterling Heights local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Angela 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 Angela at (248) 622-0704 for more information!

Angela Kakos at Rate (NMLS #166374)

Born and raised in Southeast Michigan, I always had a passion for numbers and helping others. After completing my degree in finance, I found my calling as a mortgage originator. I loved the idea of guiding families through the process of buying their homes, helping them achieve the American Dream. With dedication and a strong work ethic, I quickly built a reputation for being knowledgeable and approachable, fostering trust with clients and colleagues alike.  
As my career took off, so did my journey of motherhood. I am the proud mother of three energetic boys who bring so much joy in my life and the lives of others. Each boy brings a unique personality and boundless energy, turning my home into a whirlwind of activity. From football games to seasonal camping, every day is an adventure. I embrace the chaos, knowing that these moments are the foundation of lifelong memories.  
Balancing work and family can be challenging, but I have found joy in integrating my boys into my professional world. I instill in them the values of responsibility and the importance of hard work. They have become my little assistants, helping me with various marketing activities along the way that support my clients and referral partners.  
To complete our bustling household, we have our four-legged companion, Arlo, who provides companionship and plenty of laughter. Arlo's playful nature matches the boys' energy perfectly. He is always by our side, reminding us of the simple joys in life.  
I find fulfillment every day in both my career as a mortgage originator and my life as a mother of three boys and a doofus dog. Each day brings new challenges and joys, from navigating the complexities of home financing to the laughter and love shared within my family. I believe that my work and family life complement each other, creating a balanced and rewarding existence. In the end, it's all about building a future—both for my clients and my boys—filled with hope, happiness, and a place to call home.

VP of Mortgage Lending

Rachel Armstrong is your Sterling Heights 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 (248) 613-1997 for more information!

Rachel Armstrong at Rate (NMLS #406465)

With 25 years in the mortgage industry, I bring experience and dedication to every client I work with here in Southeast Michigan. As VP of Mortgage Lending, I offer a full range of services to help with both purchasing and refinancing, tailoring each loan to meet your unique needs. I specialize in conventional, FHA, VA, and portfolio products, and my goal is to make your home financing process as smooth and rewarding as possible. Whether you're buying your first home, investing, or refinancing, I'm here to provide knowledgeable guidance and personalized solutions to achieve your financial goals.


*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. <COMPANY NAME> 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.*

Robert Klein is your Sterling Heights 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 (586) 553-4060 for more information!

Robert Klein at Rate (NMLS #562854)

I'm Wendy Yoskovich, 57 years young, and I've spent 35 years in the mortgage business, helping clients navigate the complexities of home financing. My goal is to make the lending process as smooth and rewarding as possible.  
I've been married for 30 wonderful years and am the proud mom of two amazing children, who inspire me every day. As a cancer survivor, I've learned the importance of resilience and hope, and I strive to share that positivity with others facing their own challenges.  
Creativity is a big part of my life—whether I'm crafting personalized lending solutions or celebrating special moments with my family, I bring passion and dedication to everything I do.

Wendy Yoskovich is your Sterling Heights local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Wendy 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 Wendy at (586) 337-3383 for more information!

Wendy Yoskovich at Rate (NMLS #406509)

With just about 20 years of mortgage origination experience, along with an MBA from Davenport University, I possess the knowledge and dedication required to provide ideal financing options to my clients in Michigan, California, and Florida. Thank you in advance for the opportunity to assist you with one of life's most important financial transactions.

Branch Manager

Renato Capelj is your Sterling Heights local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Renato 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 Renato at (312) 379-3524 for more information!

Renato Capelj at Rate (NMLS #407147)

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.

Aleks Stefanovski is your Sterling Heights local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Aleks 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 Aleks at (773) 328-6429 for more information!

Aleks Stefanovski at Rate (NMLS #32487)

Todd Bruce is your Sterling Heights 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 (312) 509-4272 for more information!

Todd Bruce at Rate (NMLS #157041)

With over a decade of experience as a mortgage professional in Michigan, Mike has established himself as a trusted expert in the industry, specializing in both home purchases and refinances. His deep understanding of the local market and commitment to helping clients navigate the mortgage process has earned him a reputation for excellence.  
As a dedicated father of two young children, Mike balances his professional life with his family, embodying the values of hard work and community involvement. His wife, a respected teacher in the community, shares his passion for education and supporting local families.  
Throughout his career, Mike has focused on providing personalized service, ensuring that each client's unique needs are met. Whether guiding first-time homebuyers through the purchasing process or assisting homeowners with refinancing options, he is committed to making every transaction smooth and stress-free.  
Outside of his professional commitments, he enjoys spending quality time with his family, engaging in community activities, and supporting local educational initiatives. His dedication to both his profession and his community makes him a valuable asset to Michigan's mortgage landscape.


*By refinancing, you may pay more in costs and interest over the extended term.*

Mike LaLone is your Sterling Heights 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  for more information!

Mike LaLone at Rate (NMLS #608534)

Toni Dimitriovski is your Sterling Heights local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Toni 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 Toni at (773) 328-6689 for more information!

Toni Dimitriovski at Rate (NMLS #2100012)

Nick Masouras is your Sterling Heights 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 (773) 360-0773 for more information!

Nick Masouras at Rate (NMLS #984676)

Neno Bozinoski is your Sterling Heights local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Neno 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 Neno at (312) 509-4203 for more information!

Neno Bozinoski at Rate (NMLS #1916497)

Sterling Heights

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11 Loan Officers in Sterling Heights, MI