With more than 23 years of experience in the insurance and financial services industries, I have built my career around helping people protect and plan for their futures. After spending over two decades in health insurance and continuing to lead a Property and Casualty agency, I expanded into the mortgage industry three years ago to help clients navigate one of life’s most meaningful milestones, homeownership.
I believe securing a mortgage should be more than just a transaction. It is a personal journey, and my goal is to provide the knowledge and guidance clients need to feel confident every step of the way. By combining the experience of a seasoned advisor with a modern, flexible approach, I work to make the process smooth, clear, and tailored to each client’s needs.
Communication is a big part of that experience. Whether a client prefers the convenience of text, the efficiency of email, or the clarity of a phone call, I adapt to the style that works best for them.
Helping people achieve the dream of owning a home is the most rewarding part of what I do. I look forward to working together to find the right mortgage solution for your goals.
Quick response to all my question and clear all my doubts on the process thank you Chris!
Frank C
Our Website
Michael and his team were so professional and a big help with all the steps we needed to take in getting a very challenging purchase of my husband and my first home in Hawaii. We are so appreciative for the whole team and their hard work and dedication to getting the job done and getting us into our beautiful new home. Mahalo
Nicole W
Our Website
We couldn’t have asked for a better mortgage broker than Brian! From start to finish, he went above and beyond to help us through the entire house buying process. His knowledge, and dedication truly made all the difference. Brian was always incredibly helpful and flexible when it came to working through challenges we faced throughout the entire process. No matter how many questions we had or what obstacles came our way, he was always patient, reassuring and willing/eager to find a solution. There were moments when we genuinely thought things weren’t going to work out and that our dream of owning a home was slipping away. But Brian never gave up on us. His experience, resourcefulness and determination helped make what seemed impossible possible. What really stood out was how much he genuinely cared about helping us succeed. He didn’t just do his job, he went beyond the call of duty to make sure we were taken care of. We are beyond grateful for everything Brian did to help us with our journey to become homeowners. We highly recommend him to anyone looking for a knowledgeable, trustworthy and dedicated mortgage broker. Thank you again Brian for making this happen for our family! -The Ballesteros Family
Mark B
Our Website
Amazing local lender. Extremely knowledgeable, exceptional communition, if you looking for someone that know the mortgage industry that is willing to do anything in his power
To help you purchase your new home
You have find the night
Loan officer!!!
David M
Google
Take Charge! That's Orlando. He's on it even before he's been aware of the next steps, from his extensive experience. Really good at working with your people, to rapidly get to 'job done'. Highly recommended!
Adam G
Reach150
Kim was great! Took good care of our needs and got us across the finish line for our mortgage. She answered our questions quickly and got us a good rate considering how high they are right now. We will definitely recommend her.
Vanessa A
Our Website
I had a great experience working with Marcos Granda and his loan processor, Mariana. They were both professional, knowledgeable, and responsive throughout the entire loan process. Marcos made sure everything was explained clearly and kept things moving smoothly, while Mariana was always helpful, organized, and attentive to every detail.
I truly appreciate their hard work, communication, and dedication. They made the process much easier and less stressful. I highly recommend Marcos and Mariana to anyone looking for a great lending team!
Norma S
Zillow
Absolutely zero complaints. Very easy and enjoyable to work with. Any questions I had got answered fully and quickly. The app was so easy to navigate and sign things. Great experience I can’t thank yall enough
Gage B
Our Website
I cannot say enough wonderful things about my lender, Marcos, and his assistant, Mariana! They were both absolutely fantastic throughout the entire loan process. They took the time to explain everything, answer all my questions, and guide me every step of the way.
What I appreciated most was their patience, kindness, and understanding, especially as an older adult who needed a little extra guidance along the way. They never made me feel rushed or uncomfortable and always made sure I understood what was happening.
reneeuriarte
Zillow
Loan Programs
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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
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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
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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
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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.
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How fast can I get pre-approved?
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How fast can I get pre-approved?
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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?
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A contemporary living space with a gray sofa, decorative pillows, hanging pendant lights, and lush green plants, creating a comfortable and stylish en.