For over 25 years, 1 have been providing my clients with world-class service in the lending industry, helping thousands of individuals obtain financing for their home. My extensive knowledge of the real estate industry and residential mortgages makes me a clear choice as your trusted loan officer.




My work ethic is unprecedented and premised on the values of transparency and integrity. In 1985, I established a mortgage company, I learned early the critical importance of honesty and effective communication—pillars of success I still apply to every client relationship. I went on to become a senior loan officer at several leading companies - before joining Rate as a VP of Mortgage Lending.




My experiences as a former real estate broker and a licensed real estate instructor are the foundation for my deep expertise in both the mortgage and real estate industries. With nearly three decades of experience working in both industries, I remain steadfastly committed to providing every client loan services that exceeds all expectations.




I currently reside in Queens, New York, with my wife and five of my seven kids. I enjoy spending time with my family, attending professional baseball games, basketball games, traveling and occasional party.




Please feel free to call, text or email me with any questions you may have about real estate and/or mortgage financing.

VP of Mortgage Lending

Al Brown is your Farmingdale local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Al 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 Al at (516) 206-1863 for more information!

Al Brown at Rate (NMLS #58658)

Eric has been in the mortgage industry for 5 years and absolutely loves it! He started out processing mortgages for a New York based direct lender. As his experience and knowledge grew, he quickly took on more roles within the company. He soon found himself assisting top loan officers close loans, while also managing the bank's marketing department, before becoming a licensed loan officer himself. Eric is now licensed to help homebuyers and homeowners in multiple states. Because of his processing experience, Eric is often able to help homebuyers when other lenders can't. Whether you are a first-time home buyer or a seasoned vet, Eric is there to help you through the home buying process. Rate offers a variety of loan products, allowing him and his team to custom-fit a mortgage loan to your specific wants and needs.




Not only does Eric enjoy helping his clients meet their goals as homeowners, he also enjoys spending time outdoors being active. Taking his rescue dog Gunner on hikes and working out with friends at the gym are just two of the things he does to keep his mind clear, sharp, and always ready to work.




His goal is to provide the highest level of customer service so that your experience is stress-free, memorable, exciting, and rewarding. 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.

Eric Hegler is your Farmingdale local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Eric 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 Eric at (516) 206-1874 for more information!

Eric Hegler at Rate (NMLS #1816981)

I retired from Law Enforcement in 2020 and began my second career as a Mortgage Loan Originator. My passion for the mortgage industry began in 2005, when I purchased my first home. Since then, I have bought and sold numerous homes. I have learned everything it takes about purchasing/refinancing primary, secondary and investment homes.


I am a bilingual Mortgage Loan Originator, who is dedicated to go above and beyond my regular duties and help my clients achieve the dream of home ownership. I serve my customers with compassion, integrity, and tenacity. I am always available for my clients and referral partners. I assist my customers in every step of the way and assure them that I will structure the perfect mortgage that fits their budget. I guarantee purchasing a home with me will be as stress-free and memorable as possible.


Building relationships and lifelong friendships while providing the best customer service is what I strive for.


I would consider it an honor to help you with your mortgage as you purchase your next home.


Feel free to call, text, or email any questions or concerns you may have.


I look forward to hearing from you and being of assistance.

VP_DE_PRéSTAMOS_HIPOTECARIOS

Carlos Rivera Jr is your Farmingdale local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Carlos 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 Carlos at (718) 513-9584 for more information!

Carlos Rivera Jr at Rate (NMLS #1850912)

John has been in the real estate field since 1986. He started from the bottom up and has done everything from copy boy to owner of a brokerage. Originating loans became his passion & he decided to open his own Brokerage in 2000. When regulations changed & brokerages were not the best business model. He joined a small local mortgage bank in 2011. Now he's looking forward to the next chapter with a national mortgage **lender**. His objectives are still the same as always, help people achieve the American dream of home ownership.

John Bernardes is your Farmingdale local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, John 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 John at (917) 398-5984 for more information!

John Bernardes at Rate (NMLS #18526)

I've helped thousands of home buyers and refinancers get safely through the home mortgage minefield over the past 30+ years, all of whom came to me by referral. I've been told that I help reduce the anxiety and confusion many people have when applying for a mortgage. My experience training thousands of real estate agents and loan officers in the mortgage process helps me to explain complex things simply to my clients. I work equally well with financially savvy people who want to consider multiple aspects of mortgage financing, such as closing costs vs. interest rates, and their long and short term financial goals.


Here is what just a couple of my clients have said about their experiences:  
"I couldn't have asked for a better level of service. Not having purchased a home in 31 years I needed a lot of handholding during the process and Dominick and his team provided the handholding needed. They made what could be a very stressful process – stress free and dare I say- fun. I would unequivocally recommend them to anyone contemplating a purchase. I felt I was not being "sold" and was always getting the straight answers to my questions. Couldn't ask for more."  
E. Irwin  
"Dealing with Dominick is like dealing with a family member. You can call him day or night, weekday or weekend, and he answers your call. He spends as much time as necessary to answer your questions and provide information you didn't even know you needed! If you want to deal with an expert who provides a great experience, call Dominick. There is no one else I would trust in the mortgage business like I trust him."  
R. Busse

Dominick Sutera is your Farmingdale local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Dominick 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 Dominick at (516) 479-5700 for more information!

Dominick Sutera at Rate (NMLS #31187)

I moved to Long Island from Whitehouse Station, NJ when I was 16 years old. I lived in the West Hills section of Huntington and went to Half Hollow Hills Hight School. Upon graduating high school, I attended Bryant College (now University) and graduated with a bachelor's degree in business administration and a minor in finance. While at Bryant, I helped start a men's Lacrosse Club with a few others that now has matured into a very competitive College Lacrosse program. I currently reside in Kings Park, NY. My personal interest varies but more often than not you will find me outdoors enjoying what mother nature has given us as well as hiking with my golden retriever puppy.




Upon graduating Bryant College and a short spell selling skis in the ski industry, I headed to Wall Steet and landed a job as a financial reporter for a reputable online News Wire Service. I worked there for eight (8) years from 1987-1995, reporting on government and corporate bond daily activity and price action as well as commodities and precious metals. After my tenure as a financial reporter, I made the move to the mortgage industry and worked for a highly successful mortgage broker as a loan officer for ten (10) years from 1995-2005. At that time, I made the decision to go into business for myself, got my NYS Mortgage Broker license and started my own Mortgage Brokerage firm. I ran a successful Mortgage Broker firm for 15-years from 2005-2020 when I decided to close the company and concentrate on originating loans as a loan officer. After weighing various offers, I was hired as a Loan officer in November of 2020 with a highly reputable local Long Island Mortgage Banker and in March of 2022 when the firm closed, I stayed with the same team and joined a great company in Rate.




My reputation in the industry has always been exceptional and my concentration has continually been on integrity and offering the client unparalleled service and advise throughout the whole real estate transaction. My clients and referral partners appreciate my honest approach to the business, my thoroughness in my methods and trust that I will always give them qualified and sound advice. My slogan is "having a qualified and experienced mortgage professional on your team is always valuable but in today's market, it is priceless."




I look forward to working with you and am here to help you with your mortgage financing needs.

Larry Collins is your Farmingdale local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Larry 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 Larry at (917) 398-5985 for more information!

Larry Collins at Rate (NMLS #67885)

I began my career in Banking and Finance and spent over 22 years in International Banking.  
The past 20 years I have utilized my strong financial background and worked diligently in the  
Mortgage Industry. I believe that my education and specialization in finance are a perfect fit to work in this industry and provide first class service to my clients. I fully understand the challenges that our young borrowers face while trying to achieve the American Dream. I have a passion to satisfy the needs of our clientele and will take as much time as needed while guiding them through every step of the Mortgage process. I pride myself on the level of dedication and integrity that I deliver to our customers and referral partners.  
In addition, I remain in constant contact with all of our specific referral partners, as we are all working together for the benefit of the client. I am driven by the strong relationships that have helped me build my business. My business continues to grow with the reputable partner referral base and a steady flow of "word of mouth "referrals.  
My philosophy is based on establishing a relationship with our colleagues and partners, and not just closing deals.  
As a resident of Dix Hills for over 30 years, I have a great understanding of how important strong school districts, town services and a variety of community services mean to our homeowners.  
I have raised 3 children in this neighborhood and have been extremely satisfied with the education agenda as well as the special extracurricular activities.  
I am aware of the importance of strong schools and stimulating social activities that our new young homeowners are attempting to find.  
Even though I am available 24/7 to my clients, I very much enjoy spending time with Family, especially my 2 Grandchildren. I am a big sports fan and try to hit the links as time permits.

Bob Federici is your Farmingdale local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Bob 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 Bob at (917) 398-5986 for more information!

Bob Federici at Rate (NMLS #66824)

I have been in the mortgage industry over 20 years. I have also been one of the top producing loan officers in Nassau and Suffolk Counties. Over the years I have worked with amazing clients, accountants, financial planners, lawyers, and realtors establishing relationships and lifelong friendships. The knowledge I have learned over the years is priceless and allows me to help even more people than I could ever have imagined. I am constantly rewarded with experiencing the excitement of my first-time homebuyers as well as my borrowers upgrading or downgrading for the next chapter in their lives. I am also delighted in helping people with a refinance for whatever reason, such as consolidating debt, taking cash out, lowering payment, shortening years or for renovations.




Starting a mortgage brokerage in Farmingdale, Long Island NY in 2001 and growing into a mortgage banker in 2010 has been my greatest professional accomplishment of my career so far. In 2022 I decided to close the mortgage bank I was Founder and President of and joined a great company in Rate. Joining this company has allowed me to provide better customer service, focus on my clients needs while having the best technology, marketing and operations in the business.




Helping people with their home financing needs has and forever will be my enjoyment and passion. Taking care of people and doing the right thing as always been my goal even if it meant them not needing my services. To be able to have a career while helping people is truly unbelievable and for that I am extremely grateful. Thank you everyone for all your referrals, repeat business and now even financing their children and grandchildren.




I look forward to assisting you and am here to help you with your home financing needs.

Senior VP of Mortgage Lending / Branch Manager

Vinnie DiOrio is your Farmingdale local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Vinnie 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 Vinnie at (516) 282-1440 for more information!

Vinnie DiOrio at Rate (NMLS #113713)

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.

Michele DeMaio is your Farmingdale local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Michele 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 Michele at (516) 206-1860 for more information!

Michele DeMaio at Rate (NMLS #2221700)

Dan joins Rate as a VP of lending with over 25 years of experience in the mortgage industry. He is a firm believer in educating borrowers on the lending process from start to finish. Dan also makes sure that the real estate agents, attorneys and all involved in the real estate process are kept informed every step of the way. Service, knowledge and reliability are the cornerstones of his business. Dan has also been involved with the local Chamber of Commerce and has served on the Board of Dircetors and volunteered many hours at various Chamber of Commerce events such as festivals, golf outings and many others.  
Dan has lived in East Northport for over 30 years with his wife Virginia and his two sons, Sean and Kevin. He has been involved as a coach for his sons' many sports teams. In his free time he enjoys golf, skiing and spending time with his family and friends.

Dan Jacoby is your Farmingdale local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Dan 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 Dan at (631) 355-2354 for more information!

Dan Jacoby at Rate (NMLS #107386)

David Brod is your Farmingdale 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 (516) 206-1861 for more information!

David Brod at Rate (NMLS #1758007)

Farmingdale

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11 Loan Officers in Farmingdale, NY