Mortgage Advisor

Cedric George Channels

Mortgage Advisor NMLS# 2090177 Licensed in AZ, CA, CO, FL, GA, OR, TN and TX

Apply now
(831) 524-1986 [email protected]

25231 Paseo De Alicia, Suite 240
Laguna Hills, CA 92653
Branch License #1958263

About Cedric George Channels

Your mortgage is personal, and I understand that.

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! 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!

See my reviews
Placeholder

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

See what Cedric's clients have to say

Paul A

Excellent efficient service. Highly recommend

Nov 29, 2023

Shelley

I recently secured a home loan through Cedric Channels. Cedric was absolutely amazing - so helpful and patient with me. He responded promptly and thoroughly to all of my questions and concerns. I was actually able to text and scan send (once Cedric taught me how) most of the necessary information to him. The entire process could not have been easier. I would also like to thank Cedric for his compassion and, again, patience with me. I experienced a personal tragedy during the loan process and he was kind, considerate and understanding when I was not responding to questions or signing forms promptly as I should have been. He thoughtfully got me through the process without pressuring me, which I very much recognized and appreciate. I highly recommend Cedric Channels for your loan needs! ... Read More

Dec 03, 2022

Brian B

Cedric Channels was amazing! We had a quick timeframe and turnaround and the experience was awesome. Cedric was responsive texting me on weekends, evenings and holidays to ensure the loan was moving through all its stages. Great Service! ... Read More

Aug 04, 2022

Erich P

Cedric and his team were so professional and accommodating. We opened escrow on our home while traveling abroad. Cedric maintained clear communication throughout the entire process. We would recommend Cedric and Preferred Rate to anyone with home financing needs. ... Read More

May 11, 2022

Andrew C

From beginning to end, I cannot stress enough how communicative and helpful this team was! Cedric & Blake provided top-notch best-in-class service and assisted through this process every step of the way. If you need help with a refinance and/or simply want to talk about it and have your questions answered in an open, honest way, then do not hesitate to reach out to them. The Absolute Best, Thank You! ... Read More

Jan 11, 2022

Katherine C

Great experience!

Jan 11, 2022

Teddi L

We had a great experience with this group! They are very communicative and easy to work with. Highly recommend!

Nov 27, 2021

Brian R

Great service and best jumbo rates I could find. My personal bank couldn’t even come close to the 30 yrInterest rate I got.

Oct 29, 2021

Armando S

Guided us from step 1 until closing the escrow. Very knowledgeable staff. Very prompt in returning our call whenever we have questions. Thanks for helping us

Sep 29, 2021