Meet Our Team
Meet our team of dedicated mortgage professionals, committed to helping you navigate the home financing process with ease. With years of experience in the industry, our experts work tirelessly to provide personalized solutions, competitive rates, and exceptional customer service. Whether you're buying a new home, refinancing, or exploring other mortgage options, our team is here to guide you every step of the way.
Les Tuttle
Owner & Founder
NMLS #313115
Les has a long-standing career in the mortgage industry spanning over 39 years, during which he has held various leadership roles.
As a Business Owner at LowRate Home Loans, Les focuses on helping clients save money on new home purchases by offering competitive mortgage rates and lower costs. Prior to that, he served as a Branch Manager at both Guild Mortgage and SMP Mortgage, overseeing operations and ensuring excellent customer service from loan origination to funding.
Les also held roles at Cendera Funding, where he managed a branch and coordinated the entire loan process, and at Security National Mortgage Company, where he assisted Realtors and referral partners with marketing their businesses and generating leads. With over two decades of experience at Priority Mortgage and CB Home Loans, he has consistently helped customers save money through home purchases and refinancing options.
Steve Codara
Loan Officer
NMLS #1511191
Steve has built a diverse career spanning corporate leadership, real estate investing, and residential mortgage lending.
As a Residential Loan Originator serving Dallas–Fort Worth homebuyers, Steve focuses on helping clients purchase homes and refinance while securing competitive mortgage rates and saving money throughout the loan process.
Prior to entering the mortgage industry, Steve spent more than a decade at AT&T, where he served as Associate Director of Training, leading teams responsible for developing large-scale corporate training programs. He later worked in real estate investment and portfolio management, specializing in identifying and acquiring investment properties for self-directed real estate IRAs.
Since transitioning into mortgage lending, Steve has helped clients across Dallas and the broader DFW area secure financing for home purchases and refinances. He specializes in Conventional, FHA, VA, Jumbo, and USDA loans, including solutions for self-employed borrowers and complex income situations.
Debby Barnett
Loan Officer Assistant to Les Tuttle
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Debby is a mortgage professional with more than 30 years of experience in loan origination, processing, and servicing. She is recognized for precise documentation, strong workflow discipline, and exceptional customer service. As a Loan Officer Assistant, she ensures efficient file management and clear communication, supporting a smooth and reliable lending process.
Throughout her career, Debby has served in mortgage lending and operations roles with organizations including America's Credit Union, Greater Home Land Mortgage, and Executive Home Mortgage. Her decades of industry experience provide her with a deep understanding of the lending process and a commitment to keeping every transaction organized, efficient, and on track.
Today, Debby works alongside owner and mortgage broker Les Tuttle, providing behind-the-scenes support that helps each loan move smoothly from application to closing. Her attention to detail, reliability, and dedication to outstanding customer service help ensure every client enjoys a seamless lending experience.