Whether you happen to be a first time homebuyer, investor, or are looking to secure your financial future, William Calzadilla of Rate is ready to help you turn your ideas into concrete goals.

Branch Manager

GERENTE_DE_SUCURSAL_ASOCIADO

William Calzadilla is your Union local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, William 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 William at (908) 440-7402 for more information!

William Calzadilla at Rate (NMLS #139809)

Luis Sanchez-Santana, a Sales Manager and Loan Officer at Rate's Union, NJ office, boasts 6 years of experience in the mortgage industry. Before joining Rate, he also served as a Loan Officer, gaining hands-on knowledge of the lending process.




With a 20-year military background, Luis brings a strong sense of leadership and dedication to his role. He specializes in helping clients achieve homeownership dreams, particularly assisting move-up buyers, those in need of jumbo loans, and families relocating. Luis offers expertise in Conventional, FHA, and VA loan products.




As a fluent Spanish speaker, Luis ensures a diverse range of clients benefit from his services. In his role, he oversees branch Loan Officers, ensuring a seamless and efficient loan origination process.




Luis holds a Bachelor's Degree in Political Science from Montclair State University, reflecting his commitment to continuous learning. Beyond work, he enjoys daily exercise and travel, showcasing his passion for a balanced lifestyle.




For personalized guidance and expertise in finding the ideal mortgage fit, trust Luis Sanchez-Santana at Rate.

Sales Manager

GERENTE_DE_VENTAS

Luis Sanchez-Santana is your Union local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Luis 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 Luis at (862) 228-5981 for more information!

Luis Sanchez-Santana at Rate (NMLS #1150977)

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.

VP of Mortgage Lending

VP_DE_PRéSTAMOS_HIPOTECARIOS

Heivy Gomez-Gonzalez is your Union local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Heivy 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 Heivy at (201) 737-2542 for more information!

Heivy Gomez-Gonzalez at Rate (NMLS #2024082)

Prior Work  
Iraq Veteran; Army National Guard Officer; Financial Crimes Detective; Anti Money Laundering Investigator  
Education:  
MS in National and Cyber Security  
MBA Finance  
Hobbies:  
Being a Dad to my son  
Home DIY  
Gym and Fitness  
Overall I simply love to serve. I am very curious by nature and love to understand the "why" of everything. I put in time in order to learn and educate myself so the rest of things become easy, systematic, and easily updated. Makes me great for answering your questions or cutting to the chase with your best interest in mind.

Licensed Production Manager

Doug Mattei is your Union local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Doug 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 Doug at (973) 521-8344 for more information!

Doug Mattei at Rate (NMLS #2075646)

Janette Hernandez is your Union local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Janette 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 Janette at (973) 650-3712 for more information!

Janette Hernandez at Rate (NMLS #1182949)

Javier Giraldo is your Union local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Javier 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 Javier at (973) 866-3102 for more information!

Javier Giraldo at Rate (NMLS #2461998)

Juan Maldonado is your Union 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 (908) 442-7135 for more information!

Juan Maldonado at Rate (NMLS #2519287)

Georgi brings a unique blend of skills and experiences to the mortgage lending industry. With almost a decade of experience as a dedicated barber, Georgi has developed a strong foundation in building lasting client relationships, meticulous attention to detail, and delivering exceptional customer service. These qualities have earned Georgi the trust and loyalty of clients, and she is excited to extend this same level of commitment to her work as a loan officer.  
Georgi's passion for real estate goes beyond a professional interest-it's a personal enthusiasm that drives her to continually learn and stay updated on the latest market trends and financial strategies. This knowledge, combined with her interpersonal skills, allows Georgi to offer a compassionate, knowledgeable, and client-focused approach to loan origination.  
Understanding and addressing clients' needs is second nature to Georgi. In her years as a barber, she has perfected the art of listening and providing tailored solutions that meet each individual's preferences. This skill is invaluable in the mortgage industry, where understanding clients' financial goals and finding the best loan products to fit their needs is crucial.  
Georgi is dedicated to making the journey to homeownership as smooth and successful as possible.  
Whether clients are first-time homebuyers or looking to refinance, they can trust that Georgi will provide personalized and effective advice every step of the way.

Georgi Morris is your Union local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Georgi 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 Georgi at (973) 241-8960 for more information!

Georgi Morris at Rate (NMLS #2585631)

Union

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8 Loan Officers in Union, NJ