Branch Manager

Jeffery A. Dray

Branch Manager NMLS# 574192 Licensed in FL, OH and TN

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(513) 562-7447 [email protected]

12940 State Road., Office #3
North Royalton, OH 44133
Branch License #2134262

About Jeffery A. Dray

Your mortgage is personal, and I understand that.

As homeownership is the cornerstone of financial health, I especially enjoy assisting First Time Buyers and crafting unique financing solutions for the most challenging borrower scenarios. When other lenders say ‘no’, I apply my passion and proficiency for problem-solving, and create a game plan for their success. This ‘extra mile’ service level is at the heart of the lifelong relationships I’ve forged with my family of customers. My free time finds me spending time with my wife of twenty plus years and three incredible children. From application through closing and every step along the way, you'll be confident in Preferred Rate truly simple, transparent and award-winning process. I understand it's both my privilege and responsibility to earn your trust, and I'll never be satisfied until you are delighted with your experience.

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We keep the mortgage process easy

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.

  • Step 1 Connect with a Loan Expert

  • Step 2 Get Pre-Approved

  • Step 3 Make Offers

  • Step 4 Lock in your Preferred Rate

  • Step 5 Move in to your new home

  • Step 1 Connect with a Loan Expert

  • Step 2 Lock in your Preferred Rate

  • Step 3 Get your new loan approved!

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Home Loans

  • Fixed-rate Mortgages
  • Adjustable-rate Mortgages
  • Interest-only Loans
  • Jumbo Loans
  • FHA
  • VA Loans
  • USDA Loans
  • Reverse Mortgages

Speciality Products

  • Keys On Time Program
  • Secure Lock Program
  • Jumbo Investor Loan Programs
  • Peak Loan Program
  • High Balance Solutions
  • Jumbo Solutions
  • Home Ready
  • Home Possible Advantage
  • STaR Program for First-Responders
  • Doctor Program for Medical Professionals
  • Manufactured Housing Loans