Preferred Rate logo featuring professional real estate services.
The Preferred Rate logo representing trusted real estate and mortgage solutions.

Your   homeownership journey starts here

The mortgage process simplified.
Fast approvals, local experts, trusted results.

Preferred Rate expert Stephanie Lutzen smiling outdoors, promoting mortgage and loan services.
Professional mortgage advisor Stephanie Lutzen offering trusted financial solutions.
Beautiful modern craftsman house with landscaped front yard and double garage.
A stunning modern craftsman-style house featuring a landscaped front yard, large windows, and a spacious double garage.

NMLS: #305070

Stephanie Lutzen

Sr. Mortgage Advisor

Your mortgage is personal, and I understand that. Whether you’re looking to buy, build, or refinance your home, our experienced mortgage professionals are here to help. Here at Preferred Rate, we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Plus, as a mortgage professional, I am dedicated to finding the right loan with great rates, terms and costs to meet your specific needs. Financing a home is one of the most significant commitments you will ever make – let me guide you throughout the entire loan process from application to closing and beyond. I look forward to putting our mortgage service to work for you!

Licensed in:

FL

Why work with me?

5.0/5 Rating

77 reviews

Real clients. Real results.

This team was excellent! Stephanie very knowledgeable and answered all questions quickly! Highly recommend!! Thank you for all the help

Ashley R

This team was by far one of the most helpful teams I could’ve asked for. Despite many troubles they went through during this process they pushed through each one and got it done and kept us informed throughout the whole process. This was our first time buying a home so of course we knew very minimal, but they were always willing to answer any questions we had and we eased through this process like we’ve done this 10 times before. I would strongly recommend Stephanie Lutzen, Kimberly Rake and their team at Preferred Rate to anyone whether it’s your first time or 6th time buying a home, they are AMAZING!

Cierra M

Stephanie and Kimberly were amazing to work with!! We could have not asked for better!!

Maci J

Stephanie was truly a blessing throughout my home buying process. Even with the chaos of life, she made everything so much easier. She was knowledgeable, an excellent communicator, and such a wonderful person to work with. I’m so grateful for her help. Thank you, Stephanie!

Shanna A

This was my second time working with Stephanie and her team to get a home loan, and just like the first time, the experience was amazing! Stephanie and her assistant Kimberly are both so easy to work with—super supportive, patient, and always quick to communicate through all the ups and downs of the process. I’d choose Preferred Rate (or honestly, any company these two are with) a thousand times over. Huge thanks to Stephanie and Kim for helping me become a homeowner again. Until next time! 😉

Savanna

Stephanie & Kimberly stayed in constant communication and made the entire process as easy and stress-free as possible. They were great to deal with!

Chris Jowers O

Stephanie and her team were amazing from start to finish. So glad that we were able to work with them. Kimberly done an amazing job made me feel like I knew exactly what was happening every step of the way.

Tori G

Absolutely seamless process! Never hesitated to answer any questions. We are beyond thankful for her and her crew!!

Hayleigh M

I had an absolutely great experience with Stephanie and her team at Preferred Rate! They assisted me in buying my first home and were super helpful every step of the way. I felt assured and taken care of throughout the process and would definitely recommend their services!

Ben E

Stephanie was very helpful throughout the entire process. I had no clue what buying a house entailed. Stephanie and her team made the process as easy as it could have been. I would refer anyone to her! :)

Kristyn C

Stephanie was such a huge help during the home buying process. She was always readily available to answer any questions we had. She explained the whole process perfectly and made sure there were no questions left unanswered. Highly recommend going to Stephanie when you consider buying your next home!

Josh D

Great experience and great communication.

Brandon F

Can’t say enough good things about Stephanie Lutzen and Preferred Rate. From start to finish this entire transaction was flawless. I had questions along the way, and Stephanie went above and beyond to answer them quickly. Very pleased and highly recommend!!

Tyler B

Stephanie and her team were excellent in helping us as first time home buyers navigate the entire process. They were very kind and responsive, I couldn’t recommend a better team to work with. 

Kyle V

My husband and I worked with Stephanie and her team for our new home purchase and had a great experience. Stephanie was always ready to answer any questions we had along the way, and was also helpful in determining what a realistic offer was for the house we wanted. She takes pride in her work and it shows in the experience you receive. Give her a call!

Melissa L

I loved working with Stephanie. She was always available to answer my questions and to assist me with all my needs.

Crystal C

Really nice people who go above and beyond to get you taken care of ❤️❤️

Logan F

Stephanie an Kimberly were amazing couldn’t have done it without them. They were always there an made the process very smooth an easy. 

dalton b

Working with Stephanie and her team was the best. I had originally applied for a mortgage through my local bank and was not getting the best service. They still have not followed up with me to see if I found a home to purchase. My realtor referred me to Stephanie and she has been a joy to work with. She is always positive and encouraging; I went from thinking that I would not be able to buy a house to believing it was possible. Stephanie and her team's follow-up is great and they kept me on track. She gave me good advice and got me a great rate. I am happy to say that I closed on my loan and am now a homeowner. I could not have done this with out her. Thank you Stephanie!

Amanda B

Stephanie was a pleasure to work with. She was so very helpful every step of my journey to a new home.

Kimberly H

Excellent experience working with them!

Jacob B

Stephanie, Kimberly and Megan where great throughout the whole process. Communication and handoff were seamless. Everyone was extremely kind and wanting to help. I would definitely recommend them to everyone.

Jennette L

Thank you, Stephanie for making our experience outstanding! This is our first time using a mortgage company. After hearing several bad experiences with mortgage companies, we were relieved to find Preferred Rate. Stephanie is very professional and knowledgeable, and she made the entire process quick and simple. We are forever grateful for all your help!! I wish I could give more than 5 stars. Rick and Kim J.

KIMBERLY J

Working with Stephanie was fantastic, she was very informative and always watching the rates for us to lock in. This is our 2nd time working with Stephanie and we will do it again!!!

Jon H

Stephanie & her office took care of all our needs with little effort on our part. Would highly recommend.

Michael G

Stephanie and her team were fantastic to work with! Very smooth home buying process. We were kept in the loop every step of the way and they were there to answer any questions we had. Kimberly was very easy to talk to and treated us like she had known us forever. Highly recommend and would definitely work with them again.

Amanda B

5 Stars. Thank you for all of your patience

Brian E

We had a wonderful experience with Stephanie Lutzen and her team! Buying a new home can be a stressful experience, especially when you haven't done it in over 20 years! Stephanie made sure we knew what was needed and going on every step of the way. There was never a call or question that went unanswered. Her teams professionalism was evident from the first phone call through the final signatures.I HIGHLY recommend using Stephanie Lutzen for any loan/mortgage needs you have. You will not be disappointed!

Jill M

We can't thank Stephanie and her team enough for working with us to gather everything we needed to close in a timely and professional manner. There was never a call or question that went unanswered, regardless of the time or day we reached out. Her team was on top of everything needed to make our closing a success!

Jill and P

We can't thank Stephanie and her team enough for working with us to gather everything we needed to close in a timely and professional manner. There was never a call or question that went unanswered, regardless of the time or day we reached out. Her team was on top of everything needed to make our closing a success!

Jill and P

Always responsive with questions & concerns, work quickly, very professional!

Joseph W

Stephanie and her team are amazing! They have helped us multiple times when purchasing a home. Open and timely communication. Highly recommend.

stacey w

Such a good team to work with! Stephanie and Kimberly made sure to stay on top of everything and communicated so well throughout the whole process. Any problem that arose, they were on it and took care of it so quickly. So thankful for all their help and 100% recommend!

Kaylyn B

Stephanie and Kimberly made this process which is usually very stressful, feel effortless. I truly cannot thank them enough for everything. From the beginning to the end, they communicated and explain everything in detail. 12/10 recommend them for your home buying experience 😊

Megan B

Amazing communication

emilee s

Stephanie is awesome! She and her team treat you like family. She goes out of her way to try to help you get the loan. They are professional, friendly, knowledgeable, and so wonderful to work with. I have used them now for four mortgages, and will never use anyone else!

Joni O

Stephanie & her team went above and beyond to make the closing process for our first home smooth as can be. I 10/10 recommend her and her company. They made sure everything was turned in and to the T for us to close on time. Could not thank them enough!!

Ashleigh_Taylor

Stephanie & her team went above and beyond to make the closing process for our first home smooth as can be. I 10/10 recommend her and her company. They made sure everything was turned in and to the T for us to close on time. Could not thank them enough!!

Ashleigh_Taylor

Mrs Roseline Jason . God I'll keep blessing you , I got my withdrawal yesterday. binary trader is still the very best platform I have experience myself,because they are very reliable and legit too, I invested $500 to earn $7,250.........everything was so easy than I thought,I kindly recommend Mrs Roseline Jason Her Email:[email protected] WhatsApp no:+1(813) 4925347

Suleiman J

Working with Stephanie and Kimberly was an amazing experience. Usually, working with lenders is a bit "uncomfortable" but Stephanie made us feel at ease. She was always quick to respond and very patient with us and our many questions. I recommend Stephanie and Kimberly without hesitation.

Susan Laurence C

Stephanie and her team made the process super easy. They were very helpful and helped us every step of the way. 10/10 recommend!!

Taylor Larissa C

Knowledgeable and always there to answer question.

Melinda F

Stephanie Lutzen and her Team are the detail-oriented, caring and experienced professionals you DESERVE to have on your side! They consistently go above and beyond to make sure their customers and Realtors come first and have an active advocate ensuring a smooth and successful mortgage experience. 🏡🔑⭐️⭐️⭐️⭐️⭐️

Ricky R

Stephanie was awesome!

Richard H

It was longer & more extensive that the previous mortgage loan process & I know sometimes you can’t attribute it to any one person or entity. However, I felt left out of the loop sometimes and I became anxious and frustrated.Overall, in the end I was pleased.

Charles W

Stephanie and Kimberly as well the entire team were great to work with during my loan process. They supplied information to me quickly and kept me updated on the approval process. They were both kind and respectful in their communications with me; they were also very supportive during a confusing time of the Covid-19 pandemic. I’d recommend them both.

lcritchley

Stephanie and her entire team were amazing working through my difficult process, they were extremely quick with turn around a and sharing information. Very knowledgeable and able to address any concerns. I’d recommend her to anyone and look forward to working with her in the future.

Amari B

Stephanie made the financial end of buying my home smooth she is very informative of the process and keeps you up to date every step of the way.she guided my son and daughter inlaw through the purchase of their home as well.I would definitely recommend her to any friends or family

kelly h

We are SO thankful for Stephanie, Kimberly and the team. They helped us tremendously with buying our first home and kept us updated every step of the way. They eased our panic countless times and were so honest and just did beyond what we could have wanted. We absolutely loved working with them all. 

Chelsei A

Stephanie and Kimberly were amazing to work with!! We could have not asked for better!!

Maci J

Loan Programs

Beautiful modern craftsman-style house with a landscaped front yard and garage.
A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program

Featured

Man using smartphone at home, exploring conventional loan options.
Man reviewing mortgage options on his phone in a cozy living room setting.
Conventional Loans

Featured

Comfortable living room featuring a fireplace, wall-mounted TV, and stylish decor for a welcoming ho.
A welcoming living room with a fireplace, wall-mounted TV, and elegant decor, ideal for relaxing and entertaining in a cozy home setting.
Down Payment Assistance (DPA)

Featured

Happy couple working on home renovation inside a room with construction tools.
A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
Beautiful house exterior with porch, windows, and landscaped yard.
A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
Luxury home with a spacious driveway and well-maintained landscaping for jumbo loan financing.
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
Beautiful blue house with landscaped yard, ideal for low down payment mortgage options.
Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
Buydown mortgage rates with temporary payment reductions.
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
Child on Veteran's shoulders with American flag, symbolizing VA loan benefits.
Supporting veterans and families with VA home loan options and resources.
VA Loans
Construction financing solutions for building your dream home or project. Expert guidance for seamle.
Two workers in safety helmets working on a construction site, focusing on woodwork and project progress.
Construction Financing
FHA loan approval process with Preferred Rate for homebuyers.
Happy couple discussing FHA loan options at home.
FHA Loans
Modern two-story house with garage, ideal for bridge loan financing.
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Affordable community lending options for homebuyers.
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
Colorful Victorian-style condominiums with detailed architecture and lush greenery.
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
Nurse smiling with tablet, promoting first responder loan programs.
A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders – Nurses – Teacher Loans
Beautiful manufactured home with a welcoming porch and landscaped yard.
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Senior couple exploring reverse mortgage options on laptop.
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
USDA loan approval process for rural home financing.
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
Man using a laptop on a bean bag chair, promoting flexible bank statement loans.
Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Home loan options for quick approval and competitive rates.
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
Spacious living room with comfortable seating, large windows, and stylish decor.
A bright, inviting living room featuring a blue sofa, wooden chairs, and a fireplace with logs, perfect for relaxing or entertaining.
DSCR Loans (Investment Loans)

Featured

Expanded Credit Loans living room with modern furniture and cozy decor.
Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit Loans
Expanded Income Loans for Home Improvements.
Modern house with landscaped yard and garden.
Expanded Income Loans
Loan options for international clients seeking financial solutions.
A smiling woman using a tablet near a window, representing accessible loan services for foreign nationals.
Loans for Foreign Nationals
Healthcare professional loan options for doctors and medical staff. Secure funding to grow your medi.
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
Preferred Rate Pathway DPA Program interior design.
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Secure lock program for home safety and security.
Beautiful blue house featuring a secure lock program for enhanced home safety.
Secure Lock Program
Seller PreLock Program for homeowners to secure home sale options.
A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
Seller PreLock Program

Refinance With Purpose

Every refinance starts with a goal. Whether you want to lower your payment, shorten your term, or access equity, we’ll build a strategy around
what matters most to you.

Consolidate Debt

Simplify what you owe. Use your home’s equity to combine high-interest debt into one  payment.

Lower Payments

Improve monthly cash flow. Even a small rate adjustment can create  savings over time.

Get Cash Out

Access equity with intention. Turn your home’s value into funds for renovations, education, retirement, or financial goals.

Change to Fixed Rate

Stabilize your payment. Move from a variable rate to predictable payments built for long-term planning.

Refinance VA Loan

Use a VA refinance program to improve your terms, access cash, or reduce your monthly payment.

Discover your home’s value instantly.

Get a personalized home value report powered by real market data. Track equity, explore trends, and stay informed about your property.

Home loan approval process with competitive rates at Preferred Rate. Secure your mortgage today with.
Beautiful suburban house at sunset, showcasing a cozy home with a well-maintained lawn and welcoming entrance.
Preferred Rate logo with financial graph and rate drop notification.
A logo for Preferred Rate featuring a financial graph and a notification about interest rate drops.

We'll watch the market for you

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

Mortgage Calculator

Estimate your monthly payment in seconds.

$400,000

$50k $2M+

Customize taxes, insurance & HOA

Not required (Down payment ≥ 20%)
Estimated Monthly Payment

$0

Principal & Interest Mortgge Loan
$0
Property Tax Estimated
$0
Home Insurance Estimated
$0
HOA & PMI Fees
$0
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes.

Frequently asked
questions

With short and easy to understand answers.

Couldn’t find your answer?

[email protected]

Couldn’t find your answer?

[email protected]

Home Loan Guides
& Checklists

View all

Ready to take the
next step?

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

  • Competitive rates
  • Expert support
  • Easy process