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NMLS: #2090177

Cedric George Channels

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:

AZ, CA, CO, FL, GA, OR, TN and TX

Why work with me?

5.0/5 Rating

12 reviews

Real clients. Real results.

Excellent efficient service. Highly recommend

Paul A

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!

Shelley

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!

Brian B

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.

Erich P

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!

Andrew C

Great experience!

Katherine C

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

Teddi L

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

Brian R

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

Armando S

The staff were helpful especially Naomi Quintanilla. So easy to talk to and very knowledgeable. Thank you Cedrick for being patient with us, getting all the requirements done in a timely manner. We closed on time so that’s a very big plus, we would definitely recommend preferred rate as a lender.

Jacqueline S

Cedric & Josie were amazing. This is the second loan I sourced through them and wouldn't use anyone else. Thank you again!

Brian B

Loan Programs

1% Home Loan Program

Featured

Conventional Loans

Featured

Down Payment Assistance (DPA)

Featured

Home Renovation
HELOC Loans
Jumbo Loans
Low Down Payment Loans
Temporary Buydowns
VA Loans
Construction Financing
FHA Loans
Bridge Loans
Community Lending
Condominium Loans
First Responders – Nurses – Teacher Loans
Manufactured Home Loans
Reverse Mortgages
USDA Loans
Bank Statement Loans
Click n’ Close SmartBuy National DPA
DSCR Loans (Investment Loans)

Featured

Expanded Credit Loans
Expanded Income Loans
Loans for Foreign Nationals
Medical Professional Loans
Pathway DPA Program
Secure Lock Program
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.

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
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Property Tax Estimated
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Home Insurance Estimated
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HOA & PMI Fees
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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?

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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