Mike Dapkus

Branch Manager

NMLS #278249

Branch Manager and Army Veteran Mike Dapkus is a highly specialized VA Loan expert with over 22 years in the mortgage industry and 15 years leading the Veterans United Home Loans branch at Scott AFB. With over 99% of past homebuyers recommending his team, he is dedicated to educating Veterans and service members on maximizing their VA Loan benefit while providing exceptional service throughout the entire homebuying journey. Deeply involved in his community through Realtor associations, the VFW, and long-term support of the Scott Spouses Club scholarship drive, Mike is also a devoted husband to his business partner, Michelle, and father to their three sons. In his free time, he enjoys racing his vintage muscle car.

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 and Illinois Air National Guard Veteran Holly Ray is a dedicated Loan Officer with a deep, personal commitment to serving the military community. Rooted in her experience as both a Veteran and a military spouse, she brings a genuine understanding to the families she supports and takes pride in guiding borrowers through a clear, approachable, and stress-free homebuying process. Holly’s approach centers on communication, personalized support, and homebuyer empowerment—whether you're purchasing your first home or returning as an experienced homeowner. When she’s not helping families achieve their homeownership dreams, she enjoys spending time with loved ones and cheering on 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.