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!
Brett is one of the most honest and hardworking people I’ve ever met. He went above and beyond to get us into a home, negotiating and finding the absolute best interest rate and deal possible on our behalf. Thanks to his relentless dedication to doing right by us, we are finally in a place of our own.What really stood out to me was his integrity. When a mistake was discovered during the final loan signing, Brett didn’t hesitate, he immediately informed us and took full responsibility for an issue he didn't even create. Not only did he make it right, but he handled it in a way that I honestly don’t believe anyone else would have. That level of honesty and accountability is incredibly rare.Brett and Penny are a fantastic team, and I truly doubt there’s a better duo in the state when it comes to finding you a home loan. My appreciation for both of you is overwhelming, thank you from the bottom of my heart!- JN
J
Brett was very patient with us and our questions we had. He also explains the process in a way that is easy to understand. Even if you don't understand all the percentages and loan talk. After you speak with him you will feel confident in moving forward.
Joey D
Excellent help with getting construction loan in place. Thanks Brett and Penny!
Nephi H
The entire loan process went really smooth. Brett was able to educate/advise us on the rate buydown process, and get the loan closed asap
Troy H
Second time borrower with Brett, its an easy choice to turn to him for both my personal homes, or as a Realtor, Agent, share him and his team as a resource to my clients! Everyone loves to share the best kept secrets to friends and family, and that's exactly what I'll continue to do! And easy choice....
Catherine H
Couldn't ask for a better lending team! Good communication, prompt, and meet thier deadlines! Everything you'd appreciate when buying a home. Highly recommend!
Catherine H
Had a great experience. Thanks Brett for helping us get into a new house.
Mike C
Brett was very helpful. He kept me informed. He made the home buying process easy.
Mike C
Was amazing
Jennie M
Did amazing worked with me even when I got so stressed out. Explained things when I didn't understand
Jennie M
We had a fantastic experience working with Brett and his team. Brett is highly professional, sincere, and genuinely cares about his clients. There were no hidden fees in our closing costs, and he locked our interest rate at the perfect time—demonstrating both his expertise and trustworthiness. His assistant, Penny, was also wonderful to work with—patient, kind, and always helpful. The entire process was smooth and stress-free thanks to their dedication. We highly recommend Brett to our friends and family!
karina l
Brett and Penny were with us every step of the way on our recent home purchase. We had a lot of unforeseen challenges and we couldn’t have done it without their dedication and expertise. We are so grateful to have had them on our side.
Laura
Brett was absolutely awesome! Answered all questions, has a the gal who helps him Penny was absolutely awesome as well. Brett called me on the weekends, day or night and even during a golf game. Made thee experience painless, and pushed closing on the house in less than a month. Will recommend everyone his way.
Boston P
I highly recommend Brett. He is an expert in his field and will work hard to get you the loan you need. He helped us to qualify for our new home and we couldn't be happier! Thanks Brett!
collins2201
This was our third time using Brett as our lender. We will never use anyone else. Brett and his team make the process of buying a home seem easy. We totally trust him to do whatever is in our best interest and we highly recommend him to anyone who is looking for a lender!
Julie R
Buying a home felt daunting & difficult on one income. Brett took the time to walk me through the financials of a mortgage & helped me see what was within my budget. When I began the process of purchasing my new home, Brett patiently answered my questions & walked me through the process making it seamless. So much so that my son is now in the process with him, too.Brett is my family's lender now & I'll recommend him to anyone who is looking!
Amy H
Brett made this complicated process seamless. He is helpful, responsive, thorough and has a great team. Working with Brett and his team was a great experience!
Amy Hunter H
Brett made this complicated process seamless. He is helpful, responsive, thorough and has a great team. Working with Brett and his team was a great experience!
Amy Hunter H
Brett Wilson and his office did a fantastic job on helping us to finance our new to us home. He was very thorough and attentive to our needs. I highly recommend him and his office at Preferred Rate.
Darrel B
Brett Wilson and his office did a fantastic job on helping us to finance our new to us home. He was very thorough and attentive to our needs. I highly recommend him and his office at Preferred Rate.
darrel w b
Brett Wilson and his office did a fantastic job on helping us to finance our new to us home. He was very thorough and attentive to our needs. I highly recommend him and his office at Preferred Rate.
darrel w b
Brett does a great job for his clients. I have done 2 home loans with him and I highly recommend him. He and his team go out of their way to make it smooth and easy, and keep you informed on anything that you have questions about in a way that is easy to understand. I highly recommend Brett Wilson.
Cameron B
Very informative, worked hard to get us the best rate! It was a little higher than expected but could not be helped. We were glad to get the loan and be able to improve life for our son.
Maria H
Very informative, worked hard to get us the best rate! It was a little higher than expected but could not be helped. We were glad to get the loan and be able to improve life for our son.
Maria H
Brett and his team treated me like a friend. They did everything they could to help me get my home re-financed quickly. They worked around my busy single working mom schedule which was awesome! Thanks for your help! Definitely would recommend!-Kami Hamren
kami h
Thank you so much we so happy Brett for your help I can definitely recommend you to my friends 💯% .
Virgie G
Brett was easy to work with, made things happen quickly, and gave us his best efforts. 10/10 would recommend!
Ellie F
Brett and his team are professional in every way
Matthias T
Brett and his team are the absolute best. I've worked with many lenders over the years but this was by far the quickest and most enjoyable.
David B
This was my third time working with Brett and his team and my third great mortgage experience! Be prepared, have realistic goals and expectations for your situation, do your part in a timely manner, and Brett and his team will help you have a positive home buying experience.
Walter M
Bret was knowledgeable and patient, with excellent Communication between us and our realtor. We built a home during an eight month period of extreme variability in interest rates. Brett kept communication with us throughout the process, and helped make a plan that would work for us once we were in our home. Thank you so much, Brett!
Mandi K
They were fantastic to work with. Helped in every way possible, got us the best rates for sure, and helped us figure out all the options to buy our new home!
Karyn
They were fantastic to work with. Helped in every way possible, got us the best rates for sure, and helped us figure out all the options to buy our new home!
Karyn
Absolutely fantastic! Helped us get the best rates, came up with creative ways to make the loan work, and did everything they could to get us the loan. We love our home and it is all because of Brett and the team at Preferred Rate!
Kylan B
Will do all my mortgages with Brett, he is helpful, great communicator, and easy to work with! Thank you for all your work and everything your team does!
Bethany S
Brett and his team were awesome! We were looking for better rates that what we were being told by our previous lender and Brett delivered. He also walked us step by step through raising our credit scores to get a better rate which really helped. He was able to help us close within two weeks as we needed a quick close. He and his team were helpful and on the ball. I'd definitely recommend him!
Hailee S
Best lender in the state. They make the process less stressful, explain everything step by step.We needed to switch lenders and Brett and his team took it on, didn't skip a beat. Got through the process quickly. Love this team and so grateful for them.
Tiffany L
Easy to work with, very friendly and helpful
Bob P
Brett and his team were very helpful as we navigated the home loan process. We appreciate their help and would definitely highly recommend them to others!
jane m h
Brett and his team were very helpful as we navigated the home loan process. We appreciate their help and would definitely highly recommend them to others!
jane m h
Brett and the his whole team helped my family get our first home we are extremely happy with the service we recommend brett and his team to anybody!!.
Juan R
Brett and the his whole team helped my family get our first home we are extremely happy with the service we recommend brett and his team to anybody!!.
Juan R
Made purchasing a home a less stressful experience and they were extremely helpful the entire time.
Jessica R
Amazing team to work with. Great communication and response times.
Doug Lehi U
This was our first time buying a home which meant there was a lot for us to learn! They were amazing to work with and never left us in the dark! They explained all the terms we didn’t know and made sure that we got the best rate around! Can’t thank them enough for their hard work!
Maddie P
Brett and his team were great to work with, from the very start we had lots of communication with them. We used them to buy our first home and having that communication was very helpful as we had lots of questions! Would recommend them to anyone.
jared p
I am very impressed with Preferred Rate. Our lender, Brett, was super helpful in our loan process and made the whole process easy.
Jenny C
It was good. There were a couple hiccups. Was told we could change interest rate once locked in which was not the case. We would be told they'd call us back and we'd have to call them instead. Also they missed sending us something and we didn't find out until closing. I think part of it was closing in July which was crazy with holidays. Overall great but not perfect. When we did talk to Brett he was nice and explained everything very well which I appreciated.
Jason S
Great company, excellent communication, very knowledgable.
Daniel R
Brett Wilson and his team are awesome. We told them when we wanted to close on our new house and they made it all happen. Easy to work with. They guide you through every needed document. If you don’t close on time, it’s because you didn’t do what was asked or the builder/seller didn’t do their part.
Donald M
Brett and his team are great. Always kind, and available to answer questions every step of the way. They make the hard things easier, and get you where your going in good time. It's always been a good experience, from buying a home to refinancing. I would recommend them 100%. Thank you.
Mike C
Great team to work with! Excellent communication, and willingness to go above and beyond to take care of all their client's needs!
Clint D
Brett and his team really went the extra mile to get my mortgage closed. I wouldn’t recommend anyone else for a mortgage!!! Highly recommend!
Dillon T
Brett worked hard and had great ideas on ways to make our loan work. I’ve already recommended him to a friend.
Kenneth T
you did wonderful
John Steven L
This was our first homebuying process. Brett and his team put us at great ease. They responded quickly to every question, frequently updated us on progress, and used whatever mode of communication would be fastest or most convenient for us. The next time that we go through this process we will certainly be using Brett and his team.
Tucker H
Very friendly and pleasant to work with. Kept me updated on any information needed in a timely manner.
Clayton A
Brett make any type of mortgage loan a breeze. He takes care of all the details! We highly recommend!
Cindy H
fast closing.
Todd H
Brett Wilson is the man for the job, he is reliable a will go the extra mile to make sure you are treated fairly and lock in the best rate!
Sky S
The process was smooth and efficient. Kept me informed every step along the way. Friendly staff were extremely pleasurable and fun to work with. Would definitely use them again.
Tony P
This was a great mortgage experience. They were thorough and efficient and great to work with.
Aaron H
Brett and his team truly went above and beyond to help my family get into our first home! We faced several difficult challenges that could have scared him away, but they worked diligently to help us complete the process. He is loyal and dedicated to his customers and will not let you down!
Melissa
Brett and his team are amazing! So helpful in explaining the process as well as all our options. Definitely in good hands with them!
nkostreski
Brett and his team were extremely helpful throughout the process!
Tanner T
Working with Brett was an excellent experience from start to finish. He was knowledgeable, responsive, and truly cared about finding the best option for our needs. Every step of the process was clearly explained, and we always felt confident in our decisions. Brett made what can be a stressful process smooth and easy. I highly recommend him to anyone looking for a reliable and professional mortgage expert.
Jac T
Second property working with Brett and his team. They are all stars all around! You really feel like they are taking care of you and getting you the best bang for your buck!
nkostreski
I am 67 with a disabled son buying our first home!! What a scary thing but with Brett and his team they were there every step of the way!!! They are the reason we have our first home!!! They never gave up!! They made us feel like family and I am so grateful for them they made our dreams come true!!!!
Cindy B
I am 67 with a disabled son buying our first home!! What a scary thing but with Brett and his team they were there every step of the way!!! They are the reason we have our first home!!! They never gave up!! They made us feel like family and I am so grateful for them they made our dreams come true!!!!
Cindy B
Brett is one of the most honest and hardworking people I’ve ever met. He went above and beyond to get us into a home, negotiating and finding the absolute best interest rate and deal possible on our behalf. Thanks to his relentless dedication to doing right by us, we are finally in a place of our own.What really stood out to me was his integrity. When a mistake was discovered during the final loan signing, Brett didn’t hesitate, he immediately informed us and took full responsibility for an issue he didn't even create. Not only did he make it right, but he handled it in a way that I honestly don’t believe anyone else would have. That level of honesty and accountability is incredibly rare.Brett and Penny are a fantastic team, and I truly doubt there’s a better duo in the state when it comes to finding you a home loan. My appreciation for both of you is overwhelming, thank you from the bottom of my heart!- JN
J
Brett was very helpful in making sure I was taken care of and got me the best rate possible, would recommend and thank you!
Jacob G
Brett and his team are the professionals you want. Outstanding in every aspect. Friendly and outgoing. We love using them and this is the third time for us.
TC E
Brett was very helpful in making sure I was taken care of and got me the best rate possible, would recommend and thank you!
Jacob G
Excellent help with getting construction loan and conversion in place. Thanks Brett and Penny!
Nephi H
The whole experience was great start to finish. They made home buying so easy for me. I highly recommend them
Gina C
Awesome service througb the whole process. Brett is a pro.
Trevor B
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
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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
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.
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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?
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.