My name is Esther McCowan and I am a Senior Mortgage Advisor with Preferred Rate. Since 1995, I have been working in the lending industry as a Loan Officer. The most important thing I want you to know is that I offer GREAT SERVICE! I cater to my clients with great communication while offering my professional skills to maximize your borrowing power to help you facilitate a loan to purchase your home today!
She is very friendly and knowledgeable. She helped us understand every step and was there to answer all questions we had.
Nicole M
We felt very blessed to work with Esther and Brandi. They made the process very easy for us and kept us informed. They bring a lot of invaluable industry knowledge and experience. I hope to have the opportunity to work with them again.
Kathryn K
Esther was amazing. Everytime we had a question she was always right there to help us and answer it. We highly recommend her.
Melissa C
Esther was so incredibly helpful and prompt each step of the process. I highly recommend Esther for your loan needs!
Lisa W
Esther was fabulous at her job, very professional and knowledgeable in her work.
Jimmey W
Esther helped to clarify some issues we were facing when purchasing our home. She was very down-to-earth and honest and we would use her for our next lending opportunity.
Jim B
She help us get a house against all odds forever grateful
Dulton R
Esther is the best. She has worked with me and my husband for right at a year. I told her I wanted to buy a house in a year and she made it happen. She has helped me get my credit score up from a 530 to over a 650 in a year. She will bend over backwards to help her clients and keeps you in the loop the whole time. Finally got the house I wanted at before the deadline I set. I highly recommend
Christy H
Awsome awesome awsome
Tracy B
I am so grateful for Esther!! She made our home buying process so seamless and as simple as possible! She is extremely caring and attentive, she made sure to make us always feel safe and heard and we are so blessed to have had such a great team during such a big process! I look forward to working with her in the future!!
Tiesha I
Every question we had was answered quickly and clearly explained in a way that was easy to understand. Her knowledge, patience, and professionalism truly made this process seamless. We truly felt supported at every step. We are so grateful for her hard work and would highly recommend her to anyone looking to buy a home.
Brittany D
We had an amazing experience working with Esther McCowen as our loan officer. From start to finish, she was knowledgeable, responsive, and truly had our best interests at heart. She explained every step of the process clearly, answered all of our questions, and made what can be a stressful experience feel smooth and manageable. Esther went above and beyond to make sure everything stayed on track, and we are so grateful for her dedication and professionalism. We highly recommend Esther to anyone looking for a trustworthy and supportive loan officer!
Vanessa V
Esther Mccowan was amazing to work with she made the process a phenomenal experience! I could not have asked for anyone better!
Aaron W
Esther was very helpful and friendly .
Danny H
I would highly recommend Ester. She communicates well. Promptly returns phone calls and emails. Will be honest in answering your questions.
Geovonna H
great service. very very knowledgeable and kept in contact. Always responded to any emails or calls quickly. Sent out weakly updates. very nice. would highley recommend.
Geovonna H
I’m a single woman who purchased her very first home and after speaking to many lenders I chose Esther McCowan at Preferred Rate not only did they offer me the best interest rates and deal, but she personally was very kind and and helpful with answering all my questions no matter what time I reached out she always got back to me in a timely manner, working with me and my difficult schedule. She always made me feel like my questions and concerns were valid, which after having several negative experiences with other lenders made me feel much more confident in the decisions I was making throughout the whole entire process, I highly recommend if you are looking to buy a home that you reach out to her, she is absolutely one of the best and will make your experience so much better. I know if I ever decide to purchase another home I will be going back to her
Hannah W
Great experience
Bobby R
Esther, was very professional and easy to work with. She was very helpful and informative from start to finish. She has a great personality and we thoroughly enjoyed working with her. I would highly recommend her.
Lana R
Esther was great was a lot of help when I couldn't figure out how to do the paperwork
Beverly L
Esther was really good she went out of her way to help with the process will use her again if ever buy another house
Kenneth L
Esther is one of the sweetest, most determined persons I have dealt with. She works hard for the best deal you can get. She knows her stuff! Easy to talk to and easy to understand. I highly recommend her and her team.
Slow M
Esther has helped me close on two houses in the last 6 years. You cannot ask for a better person to help you! She is the one person you want on your team!
Sarah B
Buying a home can be overwhelming, but Esther made the entire process feel manageable. As a single father working full-time night shift, I had a lot on my plate, and she was always patient, professional, and willing to answer every question I had. She kept me informed every step of the way, worked hard to make everything happen, and truly cared about helping me become a homeowner. I never felt like just another loan number—I felt like she genuinely wanted me to succeed. I can't thank Esther enough for everything she did. If you're looking for a lender who is knowledgeable, responsive, and truly has your best interests at heart, I highly recommend Esther McCowan.
Julian W
Thanks to this beautiful women. My man at 23 years and me as a 24 years old got to finally open a new chapter in our lifes. All thanks to this beautiful women we bought acres and are ready to start a new chapter. Great communication, diligent, as well as a fast worker.
Dulce L
Beyond grateful for Esther and her team. She did everything she could to get me not only approved, but the best approval for myself and my budget. I had bad experiences with two other mortgage companies before I was put in touch with Esther and wasn't sure that purchasing a home was going to happen for me. She really rolled out the red carpet and made sure I was taken care of. I had never purchased a home before and she was great with making sure I had all the information I needed, answered all of my questions and helped me to understood the process.
Ashley B
Very good communication and made the process very easy
Ben G
Esther McCowan was truly a Godsend throughout our loan process. She made everything simple, stress-free, and easy to understand. Her kindness, patience, and professionalism gave us complete confidence every step of the way. We are incredibly grateful for Esther and highly recommend her to anyone looking for an exceptional loan officer!
Rick J
If it wasn't for Esthers knowledge I would not have a home right now.
bryan n
Esther was absolutely amazing throughout our first time home buying process. She let me know what I needed to do in order to get the rate/ payment we wanted. I would recommend her 1000x more!
Perla F
Loan Programs
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
A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program
Featured
Man reviewing mortgage options on his phone in a cozy living room setting.
Conventional Loans
Featured
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
Refinance Loan
Supporting veterans and families with VA home loan options and resources.
VA Loans
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
Happy couple discussing FHA loan options at home.
FHA Loans
Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Two workers in safety helmets working on a construction site, focusing on woodwork and project progress.
Construction Financing
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders | Nurses | Teacher Loans
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Modern house with landscaped yard and garden.
Expanded Income Loans
A smiling woman using a tablet near a window, representing accessible loan services for foreign nationals.
Loans for Foreign Nationals
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit Loans
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
Seller PreLock Program
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Rhyze HELOC
Beautiful blue house featuring a secure lock program for enhanced home safety.
Secure Lock 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 and mortgage loan.
Beautiful suburban house at sunset, showcasing a cozy home with a well-maintained lawn and welcoming entrance.
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.
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.
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
A contemporary living space with a gray sofa, decorative pillows, hanging pendant lights, and lush green plants, creating a comfortable and stylish en.