I am originally from Niagara Falls NY and moved here in 1987 and have been here ever since. I am the mom of three college-age men. I live in Muskego WI and love helping all of my borrowers around Southeastern WI and beyond achieve their dreams and goals of homeownership. I have been a loan officer since 2001 and have made many friends doing this job! I love checking in on them afterward and seeing pictures of their updates and hearing about their accomplishments. It is very rewarding!
Awesome to work with very knowledgeable and helpful hands down the best in the business
Worldwide Z
I am so happy!!! Thank You Thank You for helping me fulfill my goal in 2025! ❤️❤️❤️
Ericka L
She got me the house I wanted....What else is there to say?I couldn't be happier.
Rondo T
Cindy was always on top of the game throughout my loan process can’t thank you enough for everything done in a timely manner
Abel S
There is no one better. All about business extremely professional and just gets the job done. Every house I buy I’m only dealing with Cindy, I will not deal with anyone else, she is the best hands down
Lazine D
Cindy was amazing I’ll always deal with her and no one else. She was amazing
Lazine D
Cindy is a knowledgeable and hard working broker who does what it takes to get her clients into the home they want with a program they can afford. She has excellent communication, and makes herself available when you need her. I can't thank her enough for all of her effort and expertise. I would recommend Cindy highly to anyone looking to buy a home.
Joseph G
Cindy was excellent 👌 👏. I never thought that I would be a homeowner in my life time but cindy made my dreams come true. I definitely recommend her for purchasing a house 🏠
Trudad85
She went beyond to help reach my goal I reallyAppreciate her she did awesome job.I will be recommending people to her I was so happy with my services
Shona D
We are so thankful for all your help and of course you will be recommended! And hopefully in the future you could help us find another home.
Tanya M
Cindy works hard to get the job done. She's very caring and respectful. My husband and I are very pleased and happy. Ask for Cindy you won't be disappointed.
Tiffany {echo:get_first_letter(“minecraftboy”)}
Cindy is AMAZING!!!
Lisa P
Cindy was a pleasure to work with from day 1. She worked very hard for me and I always felt like I was in great hands. Highly recommend.
Matthew F
Cindy A. Worked very hard on this difficult loan and no matter what was thrown at her she always remained cool, calm and collective. What was even more impressive she followed this loan to the end even while she was on vacation. Thanks again Cindy we love our new house.
Cory L
Top tier....! gets it done..! 30 day close couldn't have went any better..!
Craig R
Very good service
Pawan S
Cindy never gives up and no matter how tough one loan may seem she gets it done! Unbelievable work ethic! Thank you for all your hard work!
Cory L
Have worked with Cindy a few times. Super responsive, always patient, really grateful we get to work with you! Thanks!!
Alex L
Cindy was professional and extremely helpful to us during our home buying process.
Kota Z
Cindy was Absolutely Outstanding. I would Highly recommend her. She went above and beyond for Me and My Family. Thank You Cindy and Keep up the Great Work..
Marvion S
Cindy Avilo was beyond helpful and kind. She made herself available and answered all of our questions and concerns. She was so thorough in explaining each step of the mortgage/loan process. Cindy Avilo was very attentive. She always returned our phone calls and when she couldn't answer she'd return our calls promptly. She is extremely knowledgeable, as well as courteous and professional. We highly recommend her to others, she's amazing!
Ruth N
Buying a house 🏠 is hard and finding the right Bank is even harder. I went through 3 banks for my pre-approval and all 3 had one thing in common they really don't take the time to really help . I'm one person who likes to ask a lot of questions. But the more I ask the less interested the banks made me feel along the way. I honestly thought I wasn't going to buy a house. I almost gave up. I told myself I think I'm going to rent for the rest of my life.Then I found out about Cindy at Preferred Rate Mortgage. Wow she showed professionalism with kindness all the way. She Answered ever question I threw at her . Sorry Cindy. Lol. But she really took the time to answer and at any time of the day. I'm a very busy person I work , I'm a family man I have my hands full. I wanted to make sure I wasn't making a mistake but the more I got to know Cindy the more relaxed I felt. Then it happen . I got my approval and I closed on my dream home. Thank you So much Cindy . To you and the team at Preferred Rate Mortgage. You guys really made my dream come true. You guys rock!!!🥳🥳🥳🥳. So to all the people who loose hope and think they're not going to buy a home. Or just gave up because the other side of the line does not care. Don't give up and try Preferred Rate you should give these people a try. I did and I have no regrets. God Bless you all. And keep doing what you do. YOU CAN ADD ANOTHER SATISFIED CUSTOMER TO YOUR WALL. STAY SAFE AND GOD BLESS.
David V
Cindy was really sweet and helpful to help us get loan for our new house we absolutely love. I know the type on loan we qualified for took longer then normal. But she made it happen. Thank you Cindy
Brett G
She makes the impossible deal’s possible! Always answers the phone !always working !Extreme customer service !
Michelle H
Cindy, was a pleasure to work with. She was able to get me an approval when I was told no by another lender. Thank you so much Cindy. You rock!
Brittany a
Cindy is absolutely amazing! She pulled out all the stops and worked tirelessly to make sure we closed. I will never have anyone but Cindy write our deals for us, she is a problem solver and a deal maker and is the best in the business! She treated us like family and made the deal happen even when it looked like it may fall through. Anyone looking to buy a home or rental needs to do themselves a favor and hire Cindy, she's the best!
Nicholas A
Cindy was very helpful in a stressful situation (buying a house in this market has its challenges). She was always available for questions and I never felt like we were a nuisance with all of our 1st time home buying questions.
JO K
I worked with Cindy recently, and I must say that it was a absolute pleasure working with her. I could text or call Cindy at anytime and she’d always answer. She contributed to me being somewhat stress free during the process of purchasing my home. If you’re looking for a loan lender I highly recommend using Cindy, tell her Latoya sent you lol. Thank you so much Cindy you’re amazing!!!! ⭐️⭐️⭐️⭐️⭐️
Mrsqarmstrong A
I worked with Cindy recently, and I must say that it was a absolute pleasure working with her. I could text or call Cindy at anytime and she’d always answer. She contributed to me being somewhat stress free during the process of purchasing my home. If you’re looking for a loan lender I highly recommend using Cindy, tell her Latoya sent you lol. Thank you so much Cindy you’re amazing!!!! ⭐️⭐️⭐️⭐️⭐️
Mrsqarmstrong A
I would definitely recommend Cindy for your home buying process! She made this process smooth and quick for my family and I! I’m so grateful and blessed! We love our home!!!
Burgundy M
I would definitely recommend Cindy for your home buying process! She made this process smooth and quick for my family and I! I’m so grateful and blessed! We love our home!!!
Burgundy M
Cindy did an amazing job as my mortgage officer. She was super supportive even though things got hard she made it happen! My family truly appreciates all you are done.
santana w
Cindy is thee ABSOLUTE BEST… she was very Resourceful and made sure we closed on our home in sure we timely manner..she had our best interest at heart. I’m so thankful we crossed paths.. I’m loving my home and would highly recommend Cindy.
Chavon F
Cindy did an very amazing job and would definitely recommend people to work with her.
Brittany T
Cindy went above and beyond her duties to help me close on my house. She is wonderful to work with.
Brian J
Ms Alivo was able to put me into a house with what I had for a down payment. She truly rocked it out!
Elizabeth D
Cindy was very very hands on with me during this whole process! Even at the end of closing she was there with last minute answers to all my questions! I just love her
Pamela L
Great experience. Done very well.
Derek R
Loan officer provided resources to keep the deal going.
Thomas M
Cindy did a phenomenal job helping me get through every phase until I signed my last document on losing day. I highly recommend her!
Frankie D
Everything went well. I like the fact that they was always reachable. They always respond back.
Shalanda R
Cindy is amazing!!!! She was very helpful. Cindy can move moutains to get you in you new home!!! Cindy is the best!!!
doodleman d
I very recently bought a house through Preferred Rate, Cindy Alivo, Sr. Mortgage Advisor. Being new to this journey, Cindy guided me every step of the way. She is very personable, patient, and knowledgeable. I am still in awe that I own this home, having closed one week ago. Thank you Cindy and your team!
Risa R
I very recently purchased my first home. Cindy Alivo, Preferred Rate, Sr. Mortgage Officer, made this possible. She walked me through the buying process, very patiently, answering all my questions. There were a lot of requirements, and she helped me get all of my necessary documents in order. I recommend Cindy if you are in the process of looking to buy a home. She is very knowledgeable and thorough. Thank you, Cindy!
Risa R
I started my home buying process in Nov 2025 and I was able to Close Dec 2025. The process was smooth, there were some ups and downs, but quite frankly that’s the process. As long as you stay faithful to your goal at hand you will make it to the finish line. This was definitely a learning process, and I feel like I can do it again in the future. Cindy assisted me throughout my journey and it was a pleasure to work with her.
Jasmine T
I highly recommend working with Cindy! She made our first time home buying experience a breeze. You won’t be disappointed!
Nate Van E
Cindy made the whole home buying experience easy for us. She was always available to answer our questions, which we had a lot of because this was our first home buying experience. She worked seamlessly with our agent and we never had to question what was happening next. We HIGHLY recommend her and are grateful she was the person we worked with through this process.
Alexandra Van E
Cindy is the absolute best! She is so easy to work with, so knowledgeable and dedicated to get you the perfect Mortgage!
I recommend Cindy if you are a first time homebuyer and need to explore your options!
Yasi S
Cindy was great with my home buying process. My process was very difficult due to being self employed and out of a fresh chapter 13. She made it happened now a I’m a first time homeowner and love my new place!!
Tamira
Cindy is always very easy to work with. She is very friendly, kind and will go the extra mile to help you. Cindy is the best. I would highly recommend.
Penny W
Loan Programs
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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
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Conventional Loans
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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)
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Refinance Loan
Supporting veterans and families with VA home loan options and resources.
VA Loans
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USDA Loans
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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
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Home Renovation
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
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Bank Statement Loans
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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
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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.