I am a Senior Mortgage Advisor with over 28 years of experience helping clients achieve their homeownership dreams. Throughout my career, I’ve built a reputation for providing exceptional customer service, guiding borrowers through every step of the mortgage process with clarity, patience, and expertise.
I bring deep knowledge across a wide array of loan programs, with specialized experience in VA, FHA, first-time homebuyer, and rehabilitation loans. My approach is personalized—understanding each client’s unique situation and tailoring solutions to meet their financial goals while making the process as smooth and stress-free as possible.
Whether you’re purchasing your first home, upgrading, or investing in renovations, I am committed to delivering trusted advice, practical solutions, and a seamless mortgage experience that puts your needs first.
Such a wonderful process! Michelle & Tana were SO helpful. We were first time homebuyers, but they made everything go so smoothly, and were always available to help us when we had questions! I HIGHLY recommend working with them!
Wesley B
Our Website
Orlando and the Guaranteed Mortgage team made the process incredibly smooth, especially for a first time home buyer.
Zack
Our Website
⭐⭐⭐⭐⭐ 5 Stars – Absolutely Exceptional Team!
We cannot say enough amazing things about this mortgage team! From beginning to end, they went above and beyond to make our homebuying journey such a wonderful experience.
Their professionalism, dedication, communication, and genuine care for our family were truly outstanding. Throughout the entire process, they made us feel supported, informed, and confident every step of the way. No matter what came up, they were always there to answer our questions, provide guidance, and make sure everything stayed on track.
What truly sets this team apart is that they don’t just treat you like another transaction. They genuinely care about the people and families they serve, and it shows in everything they do.
We know there is so much hard work that happens behind the scenes, and we want this team to know that none of it went unnoticed. Their commitment to excellence, attention to detail, and willingness to go the extra mile made all the difference.
To David, Kandice & the entire team, MAHALO NUI LOA (thank you sooo much) from the bottom of our hearts! You helped make one of the biggest milestones in our family’s life possible, and we will forever be grateful.
If you’re looking for a mortgage team that is knowledgeable, trustworthy, hardworking, and truly invested in your success, look no further! We wholeheartedly recommend this incredible team. They deserve more than five stars! ⭐⭐⭐⭐⭐
Kawailani Ah Q
Google
Thank you for making the whole process easier. Alexis was great at keeping us informed where we were and what was next steps. Doing this from another state, I was thankful for her help! Thank you for being amazing!
Jennifer S
Our Website
Lindsay was extremely helpful and full of useful information and advice. As a 1st time home buyer, the process of purchasing a home is very confusing and there is so much to learn. Lindsay made this task approachable and explained all of the different concepts in a manner that I could understand, allowing us to get a good deal and be informed about our purchase. I highly recommend her services, and will continue to contact her when I need advice.
Cassidy K
Trulia
We have now purchased two homes with Chris, and both experiences have been outstanding. The entire process was incredibly easy and painless from start to finish. Chris was always on top of everything, extremely responsive, and available whenever we had questions. He took the time to explain each step along the way and made sure we understood what was happening throughout every phase of the process. It’s hard to find someone who makes such a potentially stressful process feel so effortless. We couldn’t be happier with the experience and would absolutely recommend Chris to anyone looking to purchase a home. We wouldn’t hesitate to work with him again!
Jamie H
Our Website
First time home owner with the help of Beth and her team! Beth was recommended to me by my father and sister. Beth and her team were great to work with. Amazing at communication and giving me a heads up of when to check if I had any tasks to complete. Highly recommend!
Jnor
Google
I wouldn't buy a house without Carla and her team. They are rock solid and offer a level of support that makes buying a house go from a hurry to a breeze.
David L
Our Website
My husband and I bought our first home, and we went through Jim with Preferred Rate, and he helped make the experience quick and easy. He was able to answer all questions and explain things in an easily digestible way.
Madyson E
Google
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.