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Contact your local Veterans United office in Scott Air Force Base, Illinois

Whether you have questions about your loan options, need help with your account, or are ready to start your home ownership journey, we’re here to serve you. (618) 746-4699

Contact Information

  • Phone (618) 746-4699
  • E-Mail mdapkus@vu.com
  • Location 735 Seibert Road, Suite 3
    Scott Air Force Base, IL 62225
  • Hours Mon. -- Fri.: 9 a.m. -- 5 p.m.
    Closed Saturday and Sunday
  • Community Facebook

Meet the Team at Veterans United in Scott Air Force Base, Illinois

Mike Dapkus

Branch Manager

NMLS #278249

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Mike Dapkus is the Branch Manager at Veterans United Home Loans at Scott Air Force Base. He’s 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 and 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!

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Michelle Dapkus

Branch Manager

NMLS #1237812

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Michelle is a Loan Officer and Co-Branch Manager with Veterans United Home Loans Scott Air Force Base Branch. She has been a member of the loan team since the opening of the branch in 2011. Michelle’s passion is rooted in making sure each customer has a 5-star experience. She strives to make sure each client is taken care of from start to finish and does everything in her team’s power to make sure the entire process runs smoothly and is as stress free as possible. With experience as an account manager, as well as a loan officer, Michelle understands the loan process from beginning to end and can make sure the process runs smoothly. Outside of work, Michelle is kept busy by her three sons. From soccer games to school trips, they keep her on her toes!

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Holly Ray

Loan Officer

NMLS #1992719

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Loan Officer Holly Ray (NMLS #1992719) is a dedicated member of the Veterans United Home Loans team, motivated to serve 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, each fall.

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Gina Hillesheim

Loan Officer

NMLS #2152622

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Gina Hillesheim (NMLS #2152622) spent a few months with Veterans United Home Loans before earning her licensing and moving into her role as a Loan Officer. She’s no stranger to the homebuying process, having purchased six homes over the years and gaining a deep understanding of the homebuyer's perspective. On top of this, Gina grew up with a deep appreciation for the military community after hearing stories from her father, grandfather and uncles about their service. Now, she’s excited to harness her gratitude to help military families achieve the American Dream right here in our community. Having grown up and raised her family in the area, Gina can’t think of a better place to call home. Outside of work, she and her husband Rich are adjusting to their empty nest, taking advantage of date nights and traveling. The couple loves any chance to cook a big meal, however, making Sunday dinners with all four of their adult children is a favorite event in the Hillesheim household.

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Cally Matthews

Loan Specialist

NMLS #1555794

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As the daughter of a retired Navy fighter pilot, Cally grew up watching her parents on the client side of a home loan transaction every couple of years, and knows how stressful it can get. She uses her personal experiences to not only relate to clients, but to also relieve as much stress as she can for them when it comes to the home-buying process. She's been grateful to have a career where she can live out a passion for serving Veterans and service members. When she's not in the office, she likes to be outside, practicing yoga, reading a good book and riding horses. She loves to travel, too, and blames it on her military childhood.

Jessica Erb

Transaction Coordinator

NMLS #2106200

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Jessica Erb is a Transaction Coordinator with Veterans United Home Loans at Scott Air Force Base. She is always excited to work with Veterans and their families to help them achieve their goals of homeownership. When Jessica is not at the office, she can typically be found doing something outdoors.

Dawn Cochran

Transaction Coordinator

NMLS #2229476

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Transaction Coordinator Dawn Cochran (NMLS 2229476) is joining the Veterans United Home Loans team with a year of mortgage experience under her belt. Both Dawn and her husband served in the military, which means they’ve called many places home over the years, from North and South Carolina to Kansas. Now, both retired, they’ve settled in the St. Louis area and are building their home here. Dawn's biggest goal when working with customers is to break down the loan process to more manageable and understandable steps. Her Marine Corps experience comes in handy while navigating each unique loan, since adapting and overcoming challenges in pursuit of a goal is second nature for Dawn. Not to mention, waiting for the completion of her own home helps her gain perspective on a borrower’s experience. Once that home is complete, Dawn plans to fill it with memories spent with her family and her Corgis. In their free time, Dawn and her husband are enjoying going on local adventures to get to know their new home better.

Speak with a Home Loan Specialist today
- or visit us at -
735 Seibert Road, Suite 3, Scott Air Force Base, IL 62225
A VA approved lender; Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.