With over 25 years in the mortgage industry and ranked a top 1% mortgage originator specializing in VA, FHA & conventional mortgages, and more, Mike is a trusted local lender you can count on. Residing in Virginia with his wife and kids, Mike brings personalized expertise to each client to secure their dream homes. Mike has been recognized in Scotsman's Guide and Mortgage Executive Magazine for his outstanding contributions to the field. Passionate about assisting veterans and active-duty service members, Mike specializes in guiding military buyers through the VA loan process with care, ensuring they maximize their homeownership opportunities. With a focus on transparency and integrity, Mike empowers clients to make informed decisions about their financing which has earned him over a 99% customer satisfaction rating.

Branch Manager/SVP of Mortgage Lending

Mike Sanchez is your Stafford 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 (540) 699-5419 for more information!

Mike Sanchez at Rate (NMLS #860048)

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

Ken Melendez is your Stafford local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Ken 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 Ken at (540) 427-7585 for more information!

Ken Melendez at Rate (NMLS #2037924)

Tyler Hupka is a passionate mortgage professional with unrivaled attention to detail, communication, and industry knowledge. He has extensive experience with Conventional, FHA, USDA, VHDA, and especially VA Loan programs. Having spent 8 years as Active-Duty Military working in Cyber Intelligence, it gave him the skills and appreciation for meticulous work and careful accuracy. He grew up in the Stafford area, in a household of real estate agents, giving him first-hand experience from a young age on what it takes to ensure a smooth and seamless experience throughout the home buying process. He takes pride in ensuring clear and informed communication, always delivering a stress-free experience for all parties involved. Outside of work, Tyler loves spending time with his Wife, Family, and his 2 Dachshund puppies. His interests include Golfing, Hiking, and Traveling. He has been a life-long resident of Virginia, owning his own home in Stafford since 2014.




*Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It 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*

Tyler Hupka is your Stafford local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tyler 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 Tyler at (540) 427-7595 for more information!

Tyler Hupka at Rate (NMLS #1859511)

I have been a mortgage banker since 1988, and originating renovation mortgages since 1991. It is likely I was the first loan officer in the U.S. to create a curriculum to teach renovation financing as a continuing education course for the real estate industry. Having helped fund hundreds of renovation mortgages, I have also been a borrower on 4 different properties: 1 investor purchase; 1 refinance of a primary residence (did an addition); 1 owner occupied primary residence of a 1912 home that we lived in for 10 years; and an 1853 shell that I renovated into a 3 unit dwelling. I specialize in renovation lending mainly because I love old houses, and I hate to waste things. Almost everything is fixable.

VP of Mortgage Lending/Renovation Specialist

Richard Day is your Stafford local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Richard 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 Richard at (804) 855-4421 for more information!

Richard Day at Rate (NMLS #267265)

Steve Harrison is your Stafford local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Steve 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 Steve at (540) 699-5425 for more information!

Steve Harrison at Rate (NMLS #995374)

As an Associate VP of mortgage lending I bring a fresh perspective to the industry, inspired by the incredible work of a local successful and dedicated real estate agent. Watching them help countless families find homes where they can build cherished memories ignited a passion in me to join this rewarding field.  
With a deep appreciation for family and the memories we create, I am committed to guiding my clients through the mortgage process with ease and transparency. My goal is to simplify what can often be a complex journey, ensuring that each client feels informed and empowered every step of the way.  
Driven by the same love for building memories that I cherish with my wife and four children, I strive to foster long-lasting relationships with my clients, helping them secure the homes where they will thrive. I believe that finding the right mortgage is more than just a transaction; it's about creating a foundation for a lifetime of experiences.  
Let's embark on this journey together, making your homeownership dreams a reality!

Associate VP of Mortgage Lending

Chad Hiner is your Stafford local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Chad 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 Chad at (804) 977-9453 for more information!

Chad Hiner at Rate (NMLS #2629949)

Stafford

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6 Loan Officers in Stafford, VA