Meet the Partners

Michael Roth

With over 15 years of service in the financial industry Michael has the knowledge to help every customer find their best options.  Always willing to meet with customers at their convenience, guiding them through the whole loan process to assure all your concerns are addressed, long after your loan is closed Michael is available to you.

Michael hails from La Crosse, Wisconsin, where his love of the water began he enjoys fishing, kayaking, and being on the water. He is also a runner and is a die-hard Packer and Badger fan.  Contact Michael today at 866.846.3338 or mortgagemike@ratedefenders.com. 

Heather Roth 

Heather helped establish Homeowners Financial as a leader in customer service making every loan experience as easy as possible.  Understanding today's market and the need for customers to have access to information 24/7 is why Heather launched www.ratedefenders.com.  Believing your time is very valuable is why Homeowners Financial Services is always striving to get customers needs met in the most efficient manner. 

Heather, like Michael is from La Crosse, Wisconsin, where her and Michael met and formed their first partnership as husband and wife.  Heather enjoys spending time with their two children and stays involved in their schools.  Heather is an avid runner and has run the Boston Marathon and has enjoyed running several marathons in Wisconsin winning the La Crosse Maple Leaf Half Marathon in 2005 and placing Fourth in the Madison Marathon in 2007, as well as finishing the Wisconsin Ford Ironman two times.  Look for homeloanheather at your next community run.  Contact Heather today at 866.846.3338 or homeloanheather@ratedefenders.com.  

We understand that your home is not only one of your largest investments, but it is where some of your most cherished memories are made.  That is why we take our relationship with you very serious.

Putting Customers First

We pride ourselves on providing superior customer service and creating satisfied customers. We work hard to satisfy the mortgage needs and exceed the expectations of our customers.

Lower Mortgage Costs Through Cutting-edge Mortgage Origination Technology

Our customers save money and close their loans quickly because we employ the most advanced mortgage technology available. In a rush? We welcome you to try our mortgage calculators! The Internet, advanced mortgage processing software, and automated mortgage underwriting systems are coordinated to speed the mortgage process and deliver the best rate and terms.

Highest Quality Mortgage Services

From mortgage processing and underwriting, to loan closing and funding, our expert mortgage staff will efficiently expedite your entire transaction. We'll keep you informed every step of the way. We're committed to building rewarding, long-term customer relationships. With that in mind, you'll receive the highest quality mortgage services.

Meeting Every Challenge

We rapidly respond to new opportunities made available in today's dynamic mortgage markets. As a result, the requirements of our mortgage customers are consistently met through mortgage underwriting flexibility and delivery of unique mortgage programs. We often identify niche mortgage programs that are essential to satisfying individual mortgage customer needs.