Your   homeownership journey starts here

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

Logo of Preferred Rate, a financial service provider for mortgage and loan solutions.
Preferred Rate's logo representing trusted mortgage and loan services for homebuyers.
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: #278941

Christopher Brown

Originating Branch Manager

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:

IL

Why work with me?

5.0/5 Rating

44 reviews

Real clients. Real results.

The best! Would always recommend.

Rhece M

Made the process a breeze!

Rhece M

Very very professional

Austin B

He was awesome to work with! He’s always willing to help and very knowledgeable.

April Joy S

Chris Brown and his team were awesome to work with. Our house came on the market on a Sunday, and Chris was immediately available to help us put in a strong offer that certainly made a difference on whether or not we got the house. He is very knowledgeable and willing to take time to explain all options. We would definitely recommend choosing them.

Michel T

Chris was understanding and helpful throughout every step of of the process.

Joshua G

Welling to explain everything that was going on and what’s next .Took there time help you to navigate the process .Right there when you had a question Wonderful Group !

Doneise S

It was a pleasure working with Chris and his team. It was my first time buying a house and they helped along every step I had to go through. They were very informative and helpful. I highly recommend them! 

travis k

Very patient and explained everything very well very very, very good people.

Aaron P

They were very helpful though the experience and gave lots of helpful tips and information about the loan process.

Kenneth C

Shoot out to the Brown team! The Brown Team was super patient through the months for this to culminate!

David M

You were always there for me.

Catherine V

Chris Brown and his team did an amazing job. I was on a tight schedule to close on October 28th and the team proceeded ahead with diligence and met the targeted time. I was extremely comfortable working with Chris and his advice from start to finish was valuable..

Gwendolyn G

Pleasure working with you

Mattie S

Chris worked very hard and was the only person in this area to get this deal done. Excellent

John K

Chris Brown Mortgage Company was the best decision we made in purchasing our home. Chris and his staff will work with you step by step. They are there to explain the process. If you have any questions or concerns you may contact them. They are there to help you succeed and build your family legacy. Hubby and I thank them and highly recommend their services to anyone who’s looking for a reputable company that they can trust.

Rhonda H

Chris was able to get me to closing in a very short amount of time. He was very helpful and made sure that all of my questions were answered. If any of my family or friends are looking to refinance or buy a house, I am definitely going to recommend Chris and his team.

Eric M

Chris and Staff were and are the best to wet irk with. Very informative answering any and all inquiries. Eager to ensure every detail is covered and closing in record time. Look forward to working with him in the future.

Joseph M

Chris helped us close on our house, he was awesome to work with he's very welcoming. He helped us closed on our house, he was available to answer any questions we had any time of the day until the end. He made the process very smooth. I will recommend Chris and his team to anyone who's looking for a mortgage to purchase a home.

james l

We were very blessed to have Chris on our team. He made sure all our questions was answered and he made us feel very comfortable in talking us through everything we needed to know about our home loan. I will recommend him to anyone that's looking for a home loan.

james l

Very informative and sensible

Leonard S

I was treated like family. Mr. Brown and his team is extremely knowledgeable on what is needed. They go above & beyond to help their clients. I would most definitely recommend.

Carla M

Highly recommend Chris Brown. He was knowledgeable, communicative and had clear answers to all my questions. The entire process was smooth and easy, and he truly put me at ease every step of the way. I really couldn’t have asked for a better experience.

Tiana J

The Brown team is the best team to have when buying a house. The team helped my family and I get a house and they fought the entire time for us . After a huge ordeal with government shutdown and all the time they helped us . My family and myself have them to thank for everything. If your in need of a lender who will help you and your family the Brown Team is your team.

kawliga l

Very friendly and helpful! Made our house buying process a literal breeze.

Erica R

Chris was personable, available, proactive, quick, and thorough. He goes above and beyond. I strongly recommend working with him.

Earl C

Amazing job! You can trust that Chris and his team will take care of you!

Daniel M

Christopher and his team are very very helpful. They deliver information in a timely manner. They want what's best for you and your future.

Phoenix J

Chris and his team worked tirelessly to get me the loan for my house. They were helpful and available for anything I needed. They get the job done!

Ray A

Chris and his team are the definition of professionalism - always available, highly knowledgeable and incredibly informative. Their communication is unmatched and their commitment to exceptional customer service truly sets them apart. Always a pleasure to work with and I cannot recommend them highly enough!

Rachel Helbig B

Very helpful and kind company, I felt well taken care of in all areas. My questions was answered quickly. My concerns was handled with the upmost care. I had no worrys because they cared and made me feel so happy through out the whole process! Thanks to all of you! Great job!

Priscilla D

We have worked with Chris and his team in the past. They were great last time and also this time. We would highly recommend them for anyone who needs a mortgage lender.

Chris M

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

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

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.
Happy couple discussing FHA loan options at home.
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
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
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
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
Construction financing solutions for building your dream home or project. Expert guidance for seamle.
Two workers in safety helmets working on a construction site, focusing on woodwork and project progress.
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.
Modern house with landscaped yard and garden.
Expanded Income Loans
Loan options for international clients seeking financial solutions.
A smiling woman using a tablet near a window, representing accessible loan services for foreign nationals.
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.
A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
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.
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 Loan 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
$0
Property Tax Estimated
$0
Home Insurance Estimated
$0
HOA & PMI Fees
$0
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?

[email protected]

Couldn’t find your answer?

[email protected]

Home Loan Guides
& Checklists

View all

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