Desdanie O’Neal

Transactions Manager / Loan Officer

NMLS# 1561993

Desdanie O’Neil, known as “Dez,” is a seasoned professional with 30 years of real estate and mortgage experience, offering a comprehensive understanding of the home buying process. Her extensive background as a realtor, escrow title officer, and mortgage transaction manager gives her a true 360-degree view of the home buying journey. This depth of experience allows her to serve as a real estate financing expert and a trusted loan advisor for clients seeking clarity and confidence as they move toward homeownership.

As a Senior Transactions Manager, Mortgage Loan Officer, Mortgage Lender, Loan Originator, and Home Loan Specialist, Dez prioritizes personalized guidance, clear communication, and comprehensive support throughout the mortgage transaction process. She is committed to providing personalized mortgage guidance and personalized mortgage strategies tailored to each client’s financial situation. Whether someone needs credit qualification guidance, financial coaching for homebuyers, or assistance from a mortgage pre-approval specialist, Dez ensures every client receives the detailed attention and expert care they deserve.

With her unique blend of real estate and mortgage expertise, Dez has become a long-term lending partner for many families. She helps buyers navigate loan options, understand requirements, and secure competitive mortgage rates, all while keeping the process as smooth and stress-free as possible. Her client-first approach reflects her belief that a successful home purchase is built on trust, transparency, and full-service support from beginning to end.

Outside of work, Des enjoys spending time with her children and grandchildren. Her warm, family-focused personality carries into her professional life, where she is dedicated not just to closing loans, but to building meaningful relationships and guiding clients with patience, integrity, and genuine care.

Desdanie O'Neal - Transaction mannager- Loan Officer
Desdanie O'Neal - Transaction mannager- Loan Officer

Our Mission

At Rate Advantage, our mission is to deliver exceptional mortgage solutions tailored to your unique financial goals. We are dedicated to understanding your needs through active listening, leveraging our expertise and innovative technology to streamline the loan process, and ensuring transparent, timely communication. Our commitment to accountability, highly competitive pricing, honesty, and continuous improvement guarantees smooth, on-time closings with predictable costs, earning your trust and confidence to recommend us wholeheartedly.