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

Josue Hernandez is your McAllen local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Josue 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 Josue at (210) 961-4729 for more information!

Josue Hernandez at Rate (NMLS #2267356)

Producing Partnership Branch Manager

Tony Olguin is your McAllen local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tony 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 Tony at (210) 538-2936 for more information!

Tony Olguin at Rate (NMLS #1643956)

Sales Manager/VP of Mortgage Lending

Omar Correa is your McAllen local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Omar 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 Omar at (210) 538-2941 for more information!

Omar Correa at Rate (NMLS #1662391)

Tony Borrego is your McAllen local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tony 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 Tony at (210) 436-8082 for more information!

Tony Borrego at Rate (NMLS #2397717)

Associate VP of Mortgage Lending

Luis Ruiz is your McAllen 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 (225) 590-7569 for more information!

Luis Ruiz at Rate (NMLS #2322423)

With over 35 years of experience in customer service and sales, I have developed a comprehensive skill set that combines effective communication, relationship-building, and problem-solving. My journey began after graduating from the University of Texas Pan American, where I earned a Bachelor of Science in Criminal Justice with a minor in Political Science. This educational foundation provided me with critical analytical skills and an understanding of social dynamics that are essential in customer interactions.  
Recognizing the importance of continuous improvement, I later pursued a Masters in Public Administration, which further enhanced my leadership abilities and strategic thinking.  
Throughout my career, I have successfully managed diverse teams, implemented customer-focused strategies, and consistently achieved sales targets. My commitment to understanding customer needs and delivering tailored solutions has not only driven revenue growth but also fostered long-lasting client relationships. I am passionate about using my extensive experience and education to create positive experiences for customers while contributing to organizational success.

Joaquin Fregoso is your McAllen local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Joaquin 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 Joaquin at (956) 392-8262 for more information!

Joaquin Fregoso at Rate (NMLS #2590252)

Alejandro Martinez is your McAllen local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Alejandro 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 Alejandro at (956) 392-8257 for more information!

Alejandro Martinez at Rate (NMLS #2578763)

McAllen

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7 Loan Officers in McAllen, TX