Your   homeownership journey starts here

The mortgage process simplified.
Fast approvals, local experts, trusted results.

Portrait of Sally Thomas, smiling woman representing Preferred Rate services.
Sally Thomas, a friendly professional, showcasing the trusted services offered by Preferred Rate for financial solutions.
Beautiful modern craftsman house with landscaped front yard and double garage.
A stunning modern craftsman-style house featuring a landscaped front yard, large windows, and a spacious double garage.

NMLS: #228618

Sally Thomas

Mortgage Advisor

During the 30+ years that I’ve been in the mortgage business, I have gained the knowledge and expertise to help put my customers at ease throughout the mortgage process. My diverse experience in the mortgage industry allows me to better assist my clients and ensure a smooth process from origination to closing.

My goal is to provide the best customer experience possible, and I welcome the opportunity to guide you through the home loan process and help you select the loan program that best suits your needs.

My core belief that the customer is the number one priority sets me apart from my competition, and my philosophy is to listen to each customer’s needs and respond to them efficiently and effectively. Communication is the key to building strong and lasting relationships with borrowers and business partners alike.

It would be my pleasure to help you with your home financing!

Licensed in:

AZ, IL, IN, MO and WI

Why work with me?

5.0/5 Rating

36 reviews

Real clients. Real results.

This was my first time buying a home, and I was super happy with my experience with Sally! Sally explained the whole process, answered questions along the way, responded to messages very quickly, and made the loan process feel as stress-free as possible.

Christine F

Wonderful to work with, goes in depth with any questions I had. Truly a pleasure!

Chloe V

We are so thankful to be able to work with Sally! She’s helped us purchase two homes so far. Easy going, knowledgeable, and incredibly efficient. I would recommend to anyone!

Caitlin H

Sally was amazing to work with.

yehia r

Sally was great! She answered any questions I had. Was patient and helped me through this processThank you for all your help!

Cody H

I'm extremely grateful to have been helped by Sally during my mortgage loan process. Incredibly helpful, knowledgeable, and quick. Sally made the process seem and feel effortless even though I know there's a tremendous amount of work that goes into everything. She's the absolute best.

Jennifer P

Sally Thomas was amazing with helping us refinance our mortgage. She was extremely helpful in answering all our questions promptly and she made us feel at ease during the entire process!

Cgrape 1

Sally Thomas was amazing with helping us refinance our mortgage. She was extremely helpful in answering all our questions promptly and she made us feel at ease during the entire process!

Christina G

Sally was absolutely amazing!!

Christine R

Sally was great but some of your process is terrible. Demeaning and some things I feel were unnecessary for the average borrower.

Mary S

Sally was super patient and answered ALL of my questions no matter how many I asked!

Renee W

Sally made my refinance very easy. She constantly kept me up to date on the status and let me know what stage I was at. I would use her again for any of my future mortgage needs.

Heidy K

Sally is an absolute gem! Efficient, uber knowledgeable, and truly cares about each one of her clients. I will refer her to anyone I can, and continue to utilize her for many years to come! Thank-you, Sally, for de-stressing me during the home buying process, and taking such good care of something that truly mattered so much to myself and my children!

Jennifer N

Sally made our entire home buying process as easy as possible. She genuinely cared about us and answered every single question we could think of. I would recommend her to anyone looking to purchase a home! Wish I could give 6 stars.

Joey B

Loan Programs

Beautiful modern craftsman-style house with a landscaped front yard and garage.
A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program

Featured

Man using smartphone at home, exploring conventional loan options.
Man reviewing mortgage options on his phone in a cozy living room setting.
Conventional Loans

Featured

Comfortable living room featuring a fireplace, wall-mounted TV, and stylish decor for a welcoming ho.
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

Happy couple working on home renovation inside a room with construction tools.
A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
Beautiful house exterior with porch, windows, and landscaped yard.
A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
Luxury home with a spacious driveway and well-maintained landscaping for jumbo loan financing.
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
Beautiful blue house with landscaped yard, ideal for low down payment mortgage options.
Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
Buydown mortgage rates with temporary payment reductions.
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
Child on Veteran's shoulders with American flag, symbolizing VA loan benefits.
Supporting veterans and families with VA home loan options and resources.
VA Loans
Construction financing solutions for building your dream home or project. Expert guidance for seamle.
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Construction Financing
FHA loan approval process with Preferred Rate for homebuyers.
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FHA Loans
Modern two-story house with garage, ideal for bridge loan financing.
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Affordable community lending options for homebuyers.
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
Colorful Victorian-style condominiums with detailed architecture and lush greenery.
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
Nurse smiling with tablet, promoting first responder loan programs.
A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders – Nurses – Teacher Loans
Beautiful manufactured home with a welcoming porch and landscaped yard.
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Senior couple exploring reverse mortgage options on laptop.
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
USDA loan approval process for rural home financing.
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
Man using a laptop on a bean bag chair, promoting flexible bank statement loans.
Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Home loan options for quick approval and competitive rates.
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
Spacious living room with comfortable seating, large windows, and stylish decor.
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

Expanded Credit Loans living room with modern furniture and cozy decor.
Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit Loans
Expanded Income Loans for Home Improvements.
Modern house with landscaped yard and garden.
Expanded Income Loans
Loan options for international clients seeking financial solutions.
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Loans for Foreign Nationals
Healthcare professional loan options for doctors and medical staff. Secure funding to grow your medi.
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
Preferred Rate Pathway DPA Program interior design.
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Secure lock program for home safety and security.
Beautiful blue house featuring a secure lock program for enhanced home safety.
Secure Lock Program
Seller PreLock Program for homeowners to secure home sale options.
A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
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.

Home loan approval process with competitive rates at Preferred Rate. Secure your mortgage today with.
Beautiful suburban house at sunset, showcasing a cozy home with a well-maintained lawn and welcoming entrance.
Preferred Rate logo with financial graph and rate drop notification.
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.

Mortgage Calculator

Estimate your monthly payment in seconds.

$400,000

$50k $2M+

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Principal & Interest Mortgge Loan
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Property Tax Estimated
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Home Insurance Estimated
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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.

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  • Competitive rates
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