Your   homeownership journey starts here

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

Professional portrait of Brian Cochran for Preferred Rate.
Brian Cochran, a financial expert, smiling outdoors in a business suit, representing trusted financial services.
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: #249428

Brian Cochran

Sr. Mortgage Advisor

My primary focus as a trusted adviser is to guide my clients through the loan process every step of the way. I take a very personable approach to each family that I connect with to ensure that they are comfortable and understanding of the specific loan terms. I have built my 20 year career as a lender on the sole foundation of honesty and integrity.

Licensed in:

CA, IL, IN, MI, and WI

Why work with me?

5.0/5 Rating

154 reviews

Real clients. Real results.

his was my second time working with Brian as my lender, and once again he went above and beyond. He was always quick to respond or call me back whenever I had a question, and he explained everything clearly so I felt confident throughout the entire process. Brian and his team got the job done efficiently and handled all the details behind the scenes, which made things so much less stressful. They really did everything you would want a lender to do, and thanks to them, my family and I are now in our dream home. I couldn’t recommend him more!

Justin

Dear Brian,I hope this message finds you well. I am writing to express my deepest gratitude for all the assistance you provided to my sister and me in obtaining a mortgage loan for the purchase of our first home in Illinois. Your support was absolutely crucial throughout the entire process, and we want to acknowledge the dedication and professionalism with which you and your team operated.Along the way, our dream of owning a home often seemed distant, yet you never allowed us to lose hope. Your perseverance, expertise, and commitment made it possible for us to proudly say today that we are homeowners. We greatly appreciate the patience and effort you demonstrated, as well as the seamless coordination with your mortgage team, who were also extremely professional and attentive.Thanks to your hard work and the collaborative efforts of your team, we have achieved this significant milestone in our lives. You not only provided exceptional service but also instilled in us the confidence necessary to move forward with such a substantial investment.Please accept our sincere thanks once again. We look forward to the possibility of working with you in the future. Kindly extend our gratitude to everyone on your team.Sincerely,Javier Cardenas

JAVIER C

Dear Brian,I would like to extend my sincerest gratitude for all the invaluable assistance you provided my sister and me in obtaining a mortgage loan for the purchase of our first home in Illinois. Your support was crucial throughout the entire process, and we want to acknowledge the dedication and professionalism with which you and your team worked.Along the way, our dream of owning a home seemed distant, but you never allowed us to lose hope. Your perseverance, expertise, and commitment made it possible for us to proudly say today that we have a home of our own. We deeply appreciate the patience and effort you demonstrated, as well as the way you coordinated every detail with your mortgage team, who were equally professional and attentive.Thanks to your hard work and the collaborative efforts of your team, we have achieved this significant milestone in our lives. You provided not only exceptional service but also the confidence we needed to move forward with this major investment.We reiterate our heartfelt thanks and look forward to the possibility of relying on your support in the future. Please extend our recognition to everyone on your team.Sincerely,Javier Cardenas

Javier C

We worked with Brian on our first move mortgage, and we could not have enjoyed the process better. Brian broke down each step of the process and made what seemed like an intimidating process very manageable. I would highly recommend Brian to any new home buyers.

Kevin M

Brian was a pleasure to work with! He made the home buying process for us as smooth as possible I am so thankful for him and his team!

Kuretta D

Working with Brian was one of the best parts of our home-buying journey. He’s knowledgeable, reliable, and truly goes above and beyond to make sure the process is smooth and stress-free. From pre-approval to closing, Brian kept us informed at every step and was always quick to respond to any questions we had.What really stood out was how proactive and detail-oriented he was—he stayed on top of everything and made sure there were no surprises along the way. He worked closely with our realtor and attorney, and we felt completely supported throughout the process.If you want a loan officer who combines expertise with genuine care and professionalism, Brian is the one you want on your team.

Tony H

Working with Brian was one of the best parts of our home-buying journey. He’s knowledgeable, reliable, and truly goes above and beyond to make sure the process is smooth and stress-free. From pre-approval to closing, Brian kept us informed at every step and was always quick to respond to any questions we had.What really stood out was how proactive and detail-oriented he was—he stayed on top of everything and made sure there were no surprises along the way. He worked closely with our realtor and attorney, and we felt completely supported throughout the process.If you want a loan officer who combines expertise with genuine care and professionalism, Brian is the one you want on your team.

Tony V

No games, no wondering, just clear and honest communication is what you’ll get when you choose to work with Brian Cochran at Preferred Rate. If you want your deal done without any uncertainty, save yourself the headache and just call him. This is coming from a Realtor who has worked with many lenders in the past. You’ll thank me!

laura h

My wife and I just closed on our first home, and we couldn’t have asked for a better experience working with Brian. As first-time home buyers, we had a lot of questions, and Brian was incredibly patient, knowledgeable, and responsive throughout the entire process. He made everything easy to understand and was always quick to step in with a great sense of urgency when needed. His professionalism and support truly helped make this experience smooth and stress-free. We highly recommend Brian to anyone looking for a mortgage lender you can trust!

Jeff R

Excellent job. Great support to complete all the requirements. Highly recommend. 

Adriana M

Brian was very knowledgeable and walked us through every step of the process. He responded promptly and even conducted business whenever needed. Overall, great experience!

Lionell W

Patient, helpful, knowledgeable and fully vested in our home buying journey. Greatly appreciated!

Lionell W

As first time homebuyers, Brian was amazing to work with! He was very detailed with the process and next steps and was always available to answer any questions we had. Highly recommend!

Laura M

They were excellent to work with. They promptly answered my questions, provided updates, and kept me informed throughout the approval process.

Marc P

Brian worked really hard to make this deal work. Where other banks did not want to even think about it. He walked us through the most difficult steps. Very professional and understanding.

lockman1968

Excellent, very detailed with information and very diligent

Jesús A

Brian was so responsive and knowledgeable. It could not have been easier as a first time home buyer. Would recommend working with him 100%!

Jessica

Brian was fantastic! I am a first time home owner and they held my hand the entire way. I was able to text and call him multiple times a day when needed. I am also a business owner and I've heard that can make things quite difficult, but not with Brian! I will be a returning customer and will tell my entire network to work with Brian and his team!

Sarah P

Very Good and exelen

Benjamin L

Highly recommend!

Victor P

I’ve worked with Brian and his team multiple times over the years and this experience only further solidified that decision! This wasn’t an easy transaction for me, but the constant communication and attention to detail helped smooth the process to a simple close! I appreciate the transparency and no surprises!

Jeff G

Brian was awesome to work worth! He made everything seamless and was a great guide in helping us buy our first home! Brian consistently went above and beyond explaining everything to us and recommending different options, and I’m confident Brian will be helping us in the future as our trusted lender!

Aric

Brian was awesome to work with! He made everything seamless and was a great guide in helping us buy our first home! Brian consistently went above and beyond explaining everything to us and recommending different options, and I’m confident Brian will be helping us in the future as our trusted lender!

Aric K

As a first-time homebuyer, the home buying process could be stressful and daunting. Brian made it so easy and seamles! He was fantastic every step of the way! He was very professional and answered all my questions thoroughly and made sure I understood everything fully from start to finish. I highly recommend Brian Cochran to anyone looking for top-notch real estate services!

Methuselah P

Brian helped me with another complicated purchase in a very timely and accurate manner. In these volatile times he always knew what was happening.

Steve H

Brian was a huge help in getting us all set up with the purchase of our first home. He took the time to explain our options to us, and was clear with all the next steps during our closing period. Brian made this process super smooth for us, and we can't recommend him enough!

Sam H

Very personable and easy to work with! Knowledgeable on ways to improve your credit score to ensure the best rate.

Nicole A

Great person to do business with

Dennis K

First time homeowners and had lots of questions. Brian and his team answered all our questions and went above and beyond to make this experience as smooth as possible. We highly recommend Brian and his team to anyone looking to buy a home. Great stress-free experience!

Maria V

Brian made my home buying experience a smooth process. He was knowledgeable and he and his team were extremely responsive. I would highly recommend working with them to anyone.

Maria P. A

Brian was a pleasure to work with the entire process. He was timely, clear, and courteous every step of the way. He was always available to chat and offer his services. Was equally transparent with expectations and made financing a home a reality for us. Excited to work with Brian in the future, and grateful to have had his expertise as my wife and I purchased our first home.

William R

Brain was more then good. Anytime we needed something he was on it. Also when he needed something from us he was patient and worked around our requests.

Sean W

Working with Brian Cochran was the best experience in my journey of purchasing a home. Brian has a warm and kind spirit. He is personable, and is able to explain the process with ease and made sure me as a client understood the process. He returned all of my calls and kept me up to date the entire time. I would recommend anyone to work with him. Excellent Service!!!! Thank you Brian.

Anniece W

Brian was very helpful and was able to work around my schedule. He explained things in detail and was always timely when answering any of my questions.

alexalmazan6

Brian helped me purchase my first home and with my refinance 6 years later. I shopped around before refinancing and he offered the best rates for what I wanted as well as truly considerate service. Brian is knowledgable and on top of it. I couldn't more highly recommend him. In fact, I have already recommended him to friends!

Jorie J

Brian is the best. Third time working with him! Always the rates and terms. And always there to communicate with!

Almuntasrbellah K

Brian was great to work with! As first-time home buyers, he explained every step of the process and made it feel very easy for us. We appreciate his availability and would recommend working with him!

Megan D

It was great working with Brian !

Srinivas L

Brian was a great person through my loan process. I’m so thankful I was referred to him and his facility. I highly recommend!

Guadalupe Rueda B

Brian is very friendly. Him and his team replied to all our emails and phone calls right away. Brian gave very detailed information and answered all our questions.

connie p

Excelent work as usual!

Ryan M

Brian was super knowledgable and great to work with! He was responsive, transparent, and ensured the transaction went smoothly. Definitely recommend!

GANDOLFO M

Brian was super knowledgable and great to work with! He was responsive, transparent, and ensured the transaction went smoothly. Definitely recommend!

Randy M

We would recommend Brian Cochran and his team to anyone who needs a mortgage lender. During our process as first time home buyers Brian took the time to answer all our questions and was always available when we needed him. He is very knowledgeable and a great person to work with! Thank you Brian for all your help! May God to continue to bless you!

James J

Brian was very easy to work with, professional and knowledgeable with every aspect. Wouldn’t hesitate to do business again and have already suggested his team for friends!

kennie w

Brian and the rest of the team were wonderful to work with. Very professional and helpful, quick to get things done and quick to respond, and always available to answer any questions. And got us our home! We will definitely be working with him again in the future.

Amber

Brian was recommended to us and we could not be happier with our experience. He is timely and detailed oriented and very easy to talk to. We highly recommend him!

LD

Brian and his team were a pleasure to work with. They were very responsive and always took the time to answer all of our questions and made sure we understood everything. We were able to lock in a great rate and they did their due diligence to make sure we had the best options on the table when it came to finding a mortgage that met our financial needs. Would highly recommend working with Brian and his team.

Glenn R

Brian was great help. His patience and dedication made buying my first home a great experience. Highly recommended.

EivethLuna

Dear Brian It was a pleasure working with you on buying our first home in Illinois. We are looking forward to keeping in touch and working with you again soon. Your professional approach and guidance helped us taking faster decisions and close things. Happy to have you on our side. Have a great weekend. 

Adeeb A

Brian and his team where amazing they worked so hard to make my first home purchase happen and for that i am extremely grateful thank you so much!!

Saul D

Dear Brian,I hope this message finds you well. I am writing to express my deepest gratitude for all the assistance you provided to my sister and me in obtaining a mortgage loan for the purchase of our first home in Illinois. Your support was absolutely crucial throughout the entire process, and we want to acknowledge the dedication and professionalism with which you and your team operated.Along the way, our dream of owning a home often seemed distant, yet you never allowed us to lose hope. Your perseverance, expertise, and commitment made it possible for us to proudly say today that we are homeowners. We greatly appreciate the patience and effort you demonstrated, as well as the seamless coordination with your mortgage team, who were also extremely professional and attentive.Thanks to your hard work and the collaborative efforts of your team, we have achieved this significant milestone in our lives. You not only provided exceptional service but also instilled in us the confidence necessary to move forward with such a substantial investment.Please accept our sincere thanks once again. We look forward to the possibility of working with you in the future. Kindly extend our gratitude to everyone on your team.Sincerely,Javier Cardenas

JAVIER C

Explained everything to me and made the process very easy!

Dana g

Dear Brian,

Javier C

Loan Programs

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

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

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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

Refinance Loan
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
USDA loan approval process for rural home financing.
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
FHA loan approval process with Preferred Rate for homebuyers.
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FHA 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
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
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A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
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
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Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Construction financing solutions for building your dream home or project. Expert guidance for seamle.
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Construction Financing
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
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
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
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
Affordable community lending options for homebuyers.
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
Buydown mortgage rates with temporary payment reductions.
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
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
Expanded Income Loans for Home Improvements.
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Expanded Income Loans
Loan options for international clients seeking financial solutions.
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Loans for Foreign Nationals
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
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
Senior couple exploring reverse mortgage options on laptop.
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
Seller PreLock Program for homeowners to secure home sale options.
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Seller PreLock Program
Preferred Rate Pathway DPA Program interior design.
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Rhyze HELOC
Secure lock program for home safety and security.
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.

Home loan approval process with competitive rates at Preferred Rate. Secure your mortgage today with.
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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 Loan Calculator

Estimate your monthly payment in seconds.

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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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