Mike Dapkus

Branch Manager

NMLS #278249

Branch Manager Mike Dapkus has been in the mortgage industry for 15 years and served four years of active duty in the U.S. Army. Mike is a proud affiliate member of several notable Realtor associations and is also a member of the VFW Post 805 and the O’Fallon, Ill., Chamber of Commerce. At work, Mike focuses on educating his homebuyers on their VA Loan benefit. He is proud to lead an exceptional team of professionals at his office who provide quality service, expert knowledge and loan support before, during and after the loan process. When he is not at the office, Mike is spending time with his wife and three sons, golfing or restoring muscle cars from the ‘60s and ‘70s!

Michelle Dapkus

Branch Manager

NMLS #1237812

Co-Branch Manager and Loan Officer Michelle Dapkus has been a member of the loan team since the branch opened in 2011. Michelle’s passion for the mortgage industry is rooted in making sure each borrower has a 5-star experience. She strives to make sure each borrower is taken care of from start to finish and does everything in her team’s power to ensure the entire process runs smoothly and is as stress-free as possible. Outside of work, Michelle is kept busy by her three sons. From soccer games to school trips, they keep her on her toes!

Holly Ray

Loan Officer

NMLS #1992719

Loan Officer Holly Ray is motivated to serve Veterans by her personal connections to the military community. After graduating high school, Holly joined and served one tour with the Illinois Air National Guard. From there, she took on the equally important role of supportive military spouse. Holly and her family spent 13 years in various military communities out west before joining us here at Scott Air Force Base. In her role at Veterans United, Holly finds joy in helping borrowers achieve their dreams of homeownership. Beyond work, the Ray family loves cheering on their kids at football, volleyball and all of their other activities, as well as rooting for their favorite team, the Kansas City Chiefs!

Jessica Erb

Transaction Coordinator

NMLS #2106200

Transaction Coordinator Jessica Erb is excited to work with Veterans and their families to help them achieve their goal of homeownership. Jessica enjoys getting to know the borrowers she serves throughout their homebuying journey and celebrating with them when they close on their house. She also appreciates being a resource of knowledge about the home loan process to borrowers. When Jessica is not at the office, she can typically be found doing something outdoors.