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Your   homeownership journey starts here

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

NMLS: #257681

Cindy Faulkner

Pre-Approval Manager

With more than 30 years of experience in the mortgage industry, I understand that buying a home is more than just a transaction — it’s where life’s most meaningful memories begin.

Family is at the center of everything I do. I am blessed to be married with five children, one grandchild, and another on the way. Our home has always been the gathering place for family meals, celebrations, and time together. In fact, one of my favorite things in our home is our large dining room table, where everyone still gathers to share stories, laughter, and connection as our family continues to grow.

That love for family is what fuels my passion for helping others find a place to call home. I truly enjoy guiding families through the home financing process so they can begin building memories of their own.

With decades of experience, I know how to help navigate challenges, avoid common roadblocks, and make the mortgage process as smooth and stress-free as possible. I believe in being available, answering questions, and walking beside my clients every step of the way.

Helping people achieve homeownership is more than my career — it’s a privilege.

Licensed in:

CO

Specialties:

First-time Homebuyers

Investment Properties

One Time Closing Construction Loans

New Construction

VA Loans

Lending Specialties

First-time Homebuyers

Investment Properties

One Time Closing Construction Loans

New Construction

VA Loans

Why work with me?

1,200+

Families helped

30 Days

Average close time

30 years

Of experience

Real clients. Real results.

Such a wonderful process! Michelle & Tana were SO helpful. We were first time homebuyers, but they made everything go so smoothly, and were always available to help us when we had questions! I HIGHLY recommend working with them!

Wesley B

Our Website

Orlando and the Guaranteed Mortgage team made the process incredibly smooth, especially for a first time home buyer.

Zack

Our Website

⭐⭐⭐⭐⭐ 5 Stars – Absolutely Exceptional Team! We cannot say enough amazing things about this mortgage team! From beginning to end, they went above and beyond to make our homebuying journey such a wonderful experience. Their professionalism, dedication, communication, and genuine care for our family were truly outstanding. Throughout the entire process, they made us feel supported, informed, and confident every step of the way. No matter what came up, they were always there to answer our questions, provide guidance, and make sure everything stayed on track. What truly sets this team apart is that they don’t just treat you like another transaction. They genuinely care about the people and families they serve, and it shows in everything they do. We know there is so much hard work that happens behind the scenes, and we want this team to know that none of it went unnoticed. Their commitment to excellence, attention to detail, and willingness to go the extra mile made all the difference. To David, Kandice & the entire team, MAHALO NUI LOA (thank you sooo much) from the bottom of our hearts! You helped make one of the biggest milestones in our family’s life possible, and we will forever be grateful. If you’re looking for a mortgage team that is knowledgeable, trustworthy, hardworking, and truly invested in your success, look no further! We wholeheartedly recommend this incredible team. They deserve more than five stars! ⭐⭐⭐⭐⭐

Kawailani Ah Q

Google

Thank you for making the whole process easier. Alexis was great at keeping us informed where we were and what was next steps. Doing this from another state, I was thankful for her help! Thank you for being amazing!

Jennifer S

Our Website

Lindsay was extremely helpful and full of useful information and advice. As a 1st time home buyer, the process of purchasing a home is very confusing and there is so much to learn. Lindsay made this task approachable and explained all of the different concepts in a manner that I could understand, allowing us to get a good deal and be informed about our purchase. I highly recommend her services, and will continue to contact her when I need advice.

Cassidy K

Trulia

We have now purchased two homes with Chris, and both experiences have been outstanding. The entire process was incredibly easy and painless from start to finish. Chris was always on top of everything, extremely responsive, and available whenever we had questions. He took the time to explain each step along the way and made sure we understood what was happening throughout every phase of the process. It’s hard to find someone who makes such a potentially stressful process feel so effortless. We couldn’t be happier with the experience and would absolutely recommend Chris to anyone looking to purchase a home. We wouldn’t hesitate to work with him again!

Jamie H

Our Website

First time home owner with the help of Beth and her team! Beth was recommended to me by my father and sister. Beth and her team were great to work with. Amazing at communication and giving me a heads up of when to check if I had any tasks to complete. Highly recommend!

Jnor

Google

I wouldn't buy a house without Carla and her team. They are rock solid and offer a level of support that makes buying a house go from a hurry to a breeze.

David L

Our Website

My husband and I bought our first home, and we went through Jim with Preferred Rate, and he helped make the experience quick and easy. He was able to answer all questions and explain things in an easily digestible way.

Madyson E

Google

Loan Programs

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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

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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
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Supporting veterans and families with VA home loan options and resources.
VA Loans
USDA loan approval process for rural home financing.
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USDA Loans
FHA loan approval process with Preferred Rate for homebuyers.
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FHA Loans
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Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
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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.
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Medical Professional Loans
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First Responders | Nurses | Teacher Loans
Affordable community lending options for homebuyers.
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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
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Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit Loans
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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.
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Pathway DPA Program
Rhyze HELOC
Secure lock program for home safety and security.
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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.

$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
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HOA & PMI Fees
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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.

Frequently asked
questions

With short and easy to understand answers.

Couldn’t find your answer?

info@preferredrate.com

Couldn’t find your answer?

info@preferredrate.com

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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