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The Preferred Rate logo associated with David Neiheisel, highlighting mortgage and loan services.

Your   homeownership journey starts here

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

Portrait of David Neiheisel, financial expert at Preferred Rate.
David Neiheisel, a trusted financial professional at Preferred Rate, providing expert mortgage and loan advice.
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: #1532518

David Neiheisel

Mortgage Advisor

David is an Army Veteran, with a strong belief that everyone wanting to own a home can achieve their goal. David originates loans in Ohio, Kentucky, and Indiana. He specializes in educating homebuyers, whether a first-time homebuyer or an experienced homebuyer, in ensuring they find the best program for themselves and their family. David resides on the Westside of Cincinnati with his wife, Jessica, 2 daughters, and 3 dogs. David lives by the motto “It’s not that I can and others can’t, but it’s that I will when others won’t.”

Licensed in:

OH, KY, IN and TN

Why work with me?

5.0/5 Rating

127 reviews

Real clients. Real results.

No one better to work with. Pre-approval and everything went very smooth. Quick to answer questions and understands that not everyone knows everything there is to know about real estate. Highly recommend!

Ryan P

Highly recommend David Neiheisel to handle your mortgage needs, - first time buyer, refinance, HILO. VA. We had a great experience!!

S J

Dave was great to work with. He stayed on top of things and was in constant communication with us. Every step was easy and smooth. I simply cannot thank him enough and look forward to working with him again!

Eric E

David + team were incredible in my first time home buying. I highly recommend going to this loan office. He help me and my husband. He answer any questions we had. They all work with us on getting this home.

Belize B

I've been in the mortgage industry for 25 years and I MUST brag about the ease of closing my new home loan with David and his wonderful team. A 3 week closing is unheard of! I'm very pleased with the service provided. Until next time!

Amy G

David is the best. Plain and simple. Great communication from him and his team. Would recommend him for everyone.

Logan Y

Big thank you to David and his team, they were very helpful and were quick to get back to me with an answer to any questions I had. They made the buying process very easy and simple.

Doug R

Totally down to earth made the process super easy. Grateful we met the people we did to make it happen !

Brian W

Very responsive, informative & friendly. Recommend David & Preferred Rate to help you through the process of getting your next place to call home!

Angel A

David and his associates were fantastic! Very knowledgeable and helpful throughout the entire home buying process, always available to contact when I had questions.

Luke C

David + team were incredible in my first time home buying process! I couldn’t have had a better experience. Any question or problem I had David went above and beyond to help guide me through it. Highly recommend! A month into our new home and we couldn’t be happier

Kyleigh C

David made our home buying process so much easier and saved us all the stress! He never failed to pick up the phone any time of day when we had questions / concerns!!! 5 stars isn’t enough!

Mikaela R

Dave was amazing to work with! He went above and beyond to make sure we closed as quickly as possible and really stepped up for us when we hit a few bumps along the way. He was always honest, transparent, and quick to answer any questions we had, which made the whole process so much less stressful. Dave exceeded all of our expectations, and we can’t recommend him highly enough to anyone looking for a reliable and dedicated lender. We’re so grateful for everything he did to help us get into our new home!

Kate R

There for all your questions & concerns. Love that I could reach out pretty much anytime & he will get back to you asap! I truly think he will find you the best options

olivia k

David was wonderful to work with! He was quick to respond, careful to manage the timing and closing date, and knowledgeable of items needed to ensure a smooth transition during the pending process! Thanks David!

Andrea D

David and his team were amazing, don’t have enough good things to say about them. Thank you again for everything!

Brogan B

David did an amazing job we closed with no issues

Lisa G

David was incredibly helpful, knowledgeable and professional throughout our home buying process.

Patrick O

David helped me buy my first house, so I personally don't have a frame of reference. Instead I will use my Mother's reactions to each step of the process:"That was so fast! Usually this takes so long, I hope you know that.""You really have good people in your corner""Just ask David, he will definitely know the answer to that"I genuinely could not be more grateful for the level of care and effort that was put in by David & Team. These are the people you want on your side when you buy a house. If I could give over Five Stars, believe me I would.

AJ C

David is very knowledgeable. He kept me informed throughout the whole process. He was very quick to respond via email, text, and phone call. He helped the process be less stressful for a first time home buyer!

Monica M

David was great to work with. He made my home buying process easier than I expected. We closed sooner than expected as well. He was efficient and responded quickly to any questions or concerns I had. He made sure I understood everything required to close. I would highly recommend him to family, friends, associates and co workers!

Sherell

David was great to work with. He made my home buying process easier than I expected. We closed sooner than expected as well. He was efficient and responded quickly to any questions or concerns I had. He made sure I understood everything required to close. I would highly recommend him to family, friends, associates and co workers!

Sherell

David was extremely helpful!

Justin s

Did awesome hasty work! I would definitely recommend!

Garrett H

I'm a Realtor with 24 years in the business and I use David Neiheisel for my primary lender for my clients, but I also recently purchased a home and had him help with my home loan. He is very professional and goes the extra mile to get even the toughest clients approved. He will help with grant money, downpayment assistance, best rate, best terms, FHA spot approvals, VA approvals and more! He shows up to closings and brings gifts for the clients. Can't say enough good things about Dave. He is great at his job!

Mindy B

I'm a Realtor with 24 years in the business and I use David Neiheisel for my primary lender for my clients, but I also recently purchased a home and had him help with my home loan. He is very professional and goes the extra mile to get even the toughest clients approved. He will help with grant money, downpayment assistance, best rate, best terms, FHA spot approvals, VA approvals and more! He shows up to closings and brings gifts for the clients. Can't say enough good things about Dave. He is great at his job!

Mindy B

Quick and simple on my end, David was fast to respond to any questions I had and worked hard to make sure I was happy with my loan!

Andrew O

Every step of the way was super simple and easy due to David ! He was always helping me and wouldn’t hesitate once if I had a a question or issues that needed to be addressed. David was very patient with me during the loan process and we got along very well. It feels like I’ve know him for years. I’d recommend David to anyone looking for a new home. He’ll go out of his way for you.

Chris F

David was fantastic! He was very informative and was always sending emails about what step in the process we were at and what the next step would be. There were ups and downs, but David got us through it and fought for us every step of the way. I highly recommend going through him if you are looking to buy a house or condo!

Laura D

Dave was fantastic! Very responsive. Always willing to answer any questions we had. He ran numbers multiple different ways and found the best loan for us. Helped us secure our dream home.

Natalee R

Dave was amazing through the entire process!! He answered every question I had (and I had a lot) very quick on his responses as well and very knowledgeable about his work! We even learned a few things from him along the way NOT to do the next time! Make sure to contact Dave when you purchase your next home and he’ll help you will all your loan questions!

Danielle C

I can not say enough wonderful things about Dave & his team. He has talked me off the ledge several times during the loan process. Anytime that I had questions, day or night, he answered. Dave took his time to explain issues that my husband and I ran into during the loan process. Dave made sure to keep me informed every step of the way. He even got me a great deal on home owners insurance! He was very understanding and patient with our lack of knowledge. Dave swooped in like a superhero and wrote an offer out within a very short amount of time & really seemed to enjoy the challenge 🤣 my husband and I are forever grateful for him and all of his patience.

Jessica M

As a first time homebuyer, this whole process was super intimidating at first. David was always there to put my nerves at ease and answered all of my (sometimes silly) questions! He knows what he’s talking about and it was obvious he always had my best interest at heart. I wouldn’t have wanted to work with any other advisor throughout this process and I am so thankful to him for all his hard work.

Rachel M

David was awesome from start to finish. He went above and beyond for us to help put us in our dream house. I would use him again if I ever needed any financial needs. Highly recommend David!

Melissa H

I will continue to send my clients to David. He consistently provides excellent guidance throughout the home buying process. Proactive, professional and personable, David’s knowledge and know-how is an extremely valuable asset to both real estate agents and the buyers they serve.

Michael R

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fanpage f

David was an absolute amazing pleasure to work with, he never gave up and went the extra mileage for me throughout the whole process!! Would 100/10 recommend him to anyone that is searching for their next home!!

gypsum e

David was great to work with through the whole home buying experience. We really appreciated his availability, how thoroughly he answered our questions, and the helpful information he provided about the process and next steps.

Jessica F

I met David from a referral, best referral I’ve ever received. David and his team will work hard with you and for you. He is knowledgeable about this industry and passionate about helping others. If you’re considering buying house don’t hesitate call David. After living in bad conditions for a year, David and his expertise helped get my family in our wonderful new home. I would definitely buy with David and his team. We are Customers life.:

Chandra B

David is amazing! Our preapproval was through another lender but when we finally had an offer accepted, it didn’t turn out the way we’d thought. We contacted David and he was able to get us back where we felt comfortable and guide us through the whole process; even helping us get insurance! He quite literally saved the day for us!

Taylor T

David was so helpful! His experience, flexibility, and dedication made the loan process so easy. Definitely recommend David, especially for anyone active military members or veterans!

Kelsey E

David was great to work with! Answered all my questions and made the process easy!

Justin M

I'm beyond blessed that I was referred to David! He is truly amazing!! He answered my thousands of questions without hesitation and continued to reassure me, even though I panicked at every hiccup in our path!I honestly never thought in a million years, I would be able to buy a home of my own. But David worked his magic and made it happen!Thank you soooooo much! I truly appreciate everything you did for me.I will be referring everyone to David! I know he has your back!!

Ryan Nicole M

First, let me say that David Neiheisel is a pleasure to work with! He is kind, and a people person. He made the best out of one of the most challenging periods of my life. He moves fast, and uses all of his resources to get you expedient pre approval and underwriting! Dave cares about getting you into the home of your dreams. Oh...and he also helps those who need to work on their credit in pursuit of owning a home. I highly recommend him if you are trying to buy a home or in need of a loan. Thanks Preferred Rate! Thank you Dave for all of your hard work!

Joy S

David was great all the way through the process. Super easy to communicate with, prompt and helpful. I've always heard how stressful buying a home is but this experience was almost seamless. I would recommend David and his team to anyone.

nicholas r

Dave was awesome to work with. Very knowledgeable and was responsive whenever I needed him.

Tracey V

I invested the minimum amount on Mrs Willow Tailor Trading Broker, with just 5 working day's I got my profit via Bitcoin wallet i profited $19,000 after investing $2,000 on herForex trading company,best brokerage. Am so glad I met Mrs Willow Tailor at the right time.Thanks so much 😊😘Her company is trustworthy and reliable for all investors who want to be free from financial bondage and fake account managers.Reach out Willow via contact belowEmail:[email protected]:+1(2028549538

Cavin J

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Jeff W

I promised that I'm going to testify if my trading was successful'It takes so much time and effort to know the right Trade expert to win trade, After all my research I came in contact with her and I've learned a lot with her in this few years. I'm so impressed with the profit she helped me made, What I love about her is consistency, she's awesome. I just made my withdrawal of 15,000 $ USD.Reach out to her for the best forex trading result.Contact her via [email protected] :+1(202)8549538

Braye J

David was very accessible, knowledgeable, communicative and helpful. Even when the bank got on my nerves, he was understanding but helped me stay on task.

Gee S

David is awesome to work with. Very communicative and knowledgeable! Great experience!

Zachary S

David is great. Made financing my home easy and painless with his availability and readiness to answer any questions I had!.

Megan S

David was so communicative and helpful. Buying a home is such a stressful undertaking, but David made the process so much better with his positive attitude and quick-and-easy explanations. Highly recommend!

Correna K

David and his team made purchasing my first home a breeze!! Any questions that I had throughout the process, David was always quick to respond with anything I needed. Whether you are a first time homebuyer or have purchased a home before, I cannot recommend his team enough.

Evan G

Just closed a loan with my buyers with David and did not experience one bump in the road. David provided them with weekly updates and explained steps along the way.

Lori O

Absolutely amazing. Helped me out through to the end. Flawless service.

OtakuDawg

David was extremely helpful, patient and made sure I was aware of everything that was happening every step of the way!

Daneya S

I saw so many positive reviews about Mrs Janet Adderley Fx and I must confess that surely she is a skilled professional trader and the best among all as her clients all said, she managed my account after I Invested $1000 and got a successful withdrawal of $12,000 within few days of my investment, up-till now am still so shocked and surprised "It always seems impossible until it’s done with carline your hard-earned money is 100% secured/Safe trust me you have nothing to lose or to be scared of at all, You can contact her via. Email [email protected]: +1 (424) 260-3527

Actress Omawumi J

David was accommodating to my situation. Thanks again!

Hector V

David made a challenging time simple and easy. Hes gone above and beyond for us in the past with refinancing and now getting us into our dream home. Highly reccomend.

ryan m

David made a challenging time simple and easy. Hes gone above and beyond for us in the past with refinancing and now getting us into our dream home. Highly reccomend.

ryan m

100% recommend. David gets what you need and stays in contact, he helps understand all of your questions and concerns.

Stevie G

Great experience working with David on my refinance and the sell of my property. I’d definitely highly recommend him.

Dion J

Working with David was great. He really took the time out of his day (both in and out of office hours) to answer any questions I had. He was extremely helpful, and I would work with him again in a heartbeat! Thanks David!

Jeffrey S

David was so great to work with, he answered all my questions and made the process easy!

Jessica S

I want to use this opportunity to say a big thank you to Mrs Alexander Melissa I want to appreciate your determination, support and hard work in helping me trade and earn good profit, just with $500 Mrs Alexander Melissa helped me trade and in less than a week I earned $6,800 and since then I have continued investing with her and earning more, she is amazing, I advice you contact her and do the same, don't give up Mrs. Alexander Melissa is the trader you have been searching for, I am saying this from experience. You can contact her through these platforms.WhatsApp:+1 (210) 628 9394E-mail: [email protected]

Enock B

This is the man to go see if you want a home. He went above and beyond for my family and will now have a special place in my heart . Thanks again Dave you are the best of the best !

Meghan M

Such an awesome guy. Helpful every step of the way. Highly recommend

Lex G

David is awesome! He went above and beyond to make sure we got to closing!

Dana S

Dave was very helpful during this stressful process. He made a major life decision go smoothly and walked me thru step by step. I would use him again in a heart beat for my next loan.

antonio b

Great to work with and responsive to my needs

Angie K

David was extremely friendly and professional. Easy to get along with and made himself available to answer any questions that I had! 100% recommend!

Jessica C

i can say without a doubt David is the go to loan officer, when applying for a home loan. From the beginning going over all documents and items I needed, and through the loan process until the end, he was very helpful and awesome. I would highly recommend him and his company too anyone looking for a new home loan

Joshua K

David is simply exceptional. He and his team are highly communicative and quick to answer questions. As a first time homebuyer, the entire mortgage process was a challenge to really understand, but David and co. were always happy to answer questions, even those that were probably pretty simple. The combination of a good rate and an excellent experience make David and his team an easy recommendation.

Grant S

Excellent, friendly, knowledgeable trader . Fast, convenient, affordable service. I highly recommend Mrs Janet Adderley Fx to you all, she made over $12,000 with just the minimum investment of $1000 on my trading account before meeting her I have been scammed many times but I never give up an I have gained back my money. If you have been scammed before don't give try Mrs Janet Adderley Fx an I Promise you will forever be grateful to her. Contact Mrs Janet Adderley Fx if you need help or advice on these.Email:[email protected]: +1 (267) 536-5967

King F

Professional and efficient forex broker. I never had any issues with withdrawals as well as services. They are always accommodating and helpful. Great trading signals from them. I am pleased with the overall performance of Mrs Janet Adderley Fx service. I made a good amount of profit in a few weeks. Excellent trading services. I highly recommend her platform to everyone out there, who is interested in trading and making money off Crypto. I have no regrets in choosing this brokerage service, they are professional and skilled. Thanks for all you do, you can reach out to her WhatsApp:+1 (267) 536-5967Email: [email protected]

Nafisat Abdulkareem Q

Amazing team! Extremely knowledgeable about the process, and ensuring I knew what was happening every step of the process. David, Maria, and Anne made my first time buying a house smooth as silk. Thanks guys!

LR F

David will work extremely hard for his clients. He's there from beginning to end, he's always available to answer any questions you have big or small. David will treat you like family. He's knowledgeable, honest and caring. You can't go wrong working with David trust me.

Rosemary P

David is amazing! He puts so much care and effort into service for my clients. I know they are in good hands. We make a real estate dream team!!

Carmen B

David was excellent in processing my loan all the way through closing. He is very detailed and kept me informed on the loan process the entire time. Very professional and closed quickly on the loan.Thank youRon

ron r

David and his team did an amazing job in closing my clients loan. His team took over a loan that we were having issues getting closed with my clients current lender. David reviewed the file and said there would be no issues in closing and hitting the closing date. We went from having almost lost the deal to closing on time. Communication throughout the process was incredible. Big thanks to his team!

steven b

David was extremely kind, helpful, transparent, and knowledgeable during my mortgage process. He went out of his way to call realtors for me when I had put an offer in which was above and beyond what I was expecting from my loan officer. I would highly recommend him to anyone who’s looking for a mortgage!

Stephanie P

Very professional, organized committed with pleasant personalities.

Jeannell W

David picked us up after our other mortgage company became unreliable and almost fell through. Even without a guarantee that We would go with him, David and his team got right to work and had our loan approved within just a few days. Although we did not choose to go with David due to interest rates that he can’t control, I would and do recommend him to anyone in Ohio or neighboring states!

Bailemat000

Good work deserves a good recommendation, I appreciate the effort of Mr. Ethan Payne in helping me work from home. Profits have been made weekly as he promised, I invested $700 and now making $3,200 weekly, All thanks to him and his team. Wouldn’t have been easy, he made me and my family smileContact him viaEmail: [email protected]:+44 7862 075181

Nick P

“I know that Mortgage is BEYOND stressful so I take everything lightly. End of the day, most important thing to me is improving the lives of families, one family at a time.” - David NeiheiselImproving the lives of my family is exactly what he did and I truly believe anyone that works with him will be as happy (if not happier) than I am today after moving into our new home. Thank you so much David Neiheisel!!! We will never forget you!

Rinaldo Yulfo I

This confidence and trust has been what I have craved for in an expert trader for years now and I am so happy to finally get all this from you Mr. Ethan Payne for you have proven all what I have heard about you is the true, by investing $500 with Mr. Ethan Payne I made $6,050, it not the profit alone I am glad about but the instant withdrawal into my bank account, I am forever grateful and will tell the world about you, get in touch with Mr. Ethan Payne viaEmail: [email protected]:+44 7862 075181

Ag Bertin O

“I know that Mortgage is BEYOND stressful so I take everything lightly. End of the day, most important thing to me is improving the lives of families, one family at a time.” - David NeiheiselImproving the lives of my family is exactly what he did and I truly believe anyone that works with him will be as happy (if not happier) than I am today after moving into our new home. Thank you so much David Neiheisel!!! We will never forget you!

Rinaldo Y

David and his team did an amazing job! David went above and beyond in his research on finding the best loan options for my situation as well as helped me with other financing I didn't even know was available. He always answered any and all of my questions no matter how menial they might have been and kept in consistent and continuous contact. I HIGHLY recommend David if you are in the market for a home.

Kristen W

David was extremely easy to work with and answered all my questions and more so. He was also great about following up afterwards to ensure I was happy with everything.

Matt E

David went above and beyond to help us buy our dream home. He was able to get us pre-approved on a Saturday within a few hours so we were able to put in an offer. In a crazy housing market like this, David made this process easy and helped us understand the process. I would recommend David to all my friends and family!

Rachel N

David went above and beyond to help us buy our dream home. He was able to get us pre-approved on a Saturday within a few hours so we were able to put in an offer. In a crazy housing market like this, David made this process easy and helped us understand the process. I would recommend David to all my friends and family!

rachel s

David was and is the most amazing loan officer I have ever met! He made the entire process of buying our home seamless. He was there to answer any questions or concerns. He is always willing to go the extra mile for his clients and I can not recommend him enough!He even helped answer questions for a friend of mine when they were having issues with a different loan officer to get a 2nd opinion on how to handle her issues. David is A++++++!

Jean W

I highly recommend David and his team! They made the whole loan process go so smoothly! So friendly and helpful!!

Katie A

David and his team were incredible during our loan process. They were always just a text, email, or phone call away if we had questions. I am so thankful for this team and highly recommend David!

Kennedi M

First time buying a house.Got the house. Things went well.

Ryan R

David provided excellent servise. He is very easy to work with.Would definetly reccomend him to anyone neding a home loan.Kathleen & Robert

Robert W

Experience was great! Everything went smoothly. Communication was awesome too!

James C

I am super pleased with my services from David. He was extremely informal and helpful through the whole process. Any questions I had were answered within an hour or two, but were typically more prompt. I couldn’t have worked with a better lender. David also reassured me that he is here for anything I need after closing which was incredibly reassuring as I’m a single mother learning all of this on my own. It has been a huge help to have him in my corner. I will also add that the homeownership course was incredibly informative and a great tool for any first time home buyers and David answered every single question I had throughout the entire course. He has a very friendly and inviting personality and made this whole process so much easier with as little stress as possible.

Kerry-Ann W

I can’t say enough great things about David. He is one of the most trustworthy and attentive mortgage lenders you’ll ever work with. His communication was excellent, his guidance was honest, and his character really shows in how much he cares about his clients. David made the entire process smooth and stress-free, always taking the time to answer questions and explain details clearly. If you want someone who has your best interest at heart, David is your guy.

Erin T

Hands down, the BEST VA loan specialists in the tri-state area. David and Kim took on our interesting circumstances and ran with it. They continued to tackle issues as they popped up all while keeping us in the loop, real-time. Even after running into the biggest jerk at the VA and working through the holidays they got us taken care of. Our family is deeply grateful for their dedication and commitment to us. Don’t hesitate to reach out for any of your lending needs or advice.

TJ A

David and Kim were amazing. They answered all my questions which was a lot as a first time homebuyer. They checked in to see how my search was going. Walked me through every step. Plus, they had videos explaining each step you could go back and reference. Would highly recommend and will definitely use them in the future!

Kyaia B

Great people to work with. I recommend to any body to work with David.

Aman

Very good to work with and gets loan quick

della m

David did a fantastic job saving me as much money as possible! He listened to exactly what I needed and wanted and followed through. He is very thorough and I am quite lucky to have worked with him!

Abbey W

David did a fantastic job saving me as much money as possible! He listened to exactly what I needed and wanted and followed through. He is very thorough and I am quite lucky to have worked with him!

Abbey W

David did a fantastic job saving me as much money as possible! He listened to exactly what I needed and wanted and followed through. He is very thorough and I am quite lucky to have worked with him!

Abbey W

David did a fantastic job saving me as much money as possible! He listened to exactly what I needed and wanted and followed through. He is very thorough and I am quite lucky to have worked with him!

Abbey W

David and Kim did an amazing job getting us our mortgage. They made the process understandable which is not easy. Most of all they are trustworthy. Knowing we weren’t getting taken advantage of was the most important thing. It’s so easy to add a fee here or a charge there and it just gets lumped in to a large amount. David actually found an unnecessary charge and let me know immediately and it was taken off. That’s what I looked for when getting a mortgage and found it with David and Kim. Would recommend them to anyone!

Brandon L

David is truly the best, and we’re so grateful to have him in our lives. There was a point where we were ready to give up, but he gave us hope and a second chance. He was patient with us every step of the way and never made us feel overlooked or rushed. He even connected us with Tim, which made a huge difference for us. David consistently checked in and was always available whenever we needed him. He works incredibly hard, takes everything seriously, and genuinely cares about the people he helps. He never ignores you and always does his best to make sure all your questions are answered. We couldn’t recommend him more. God bless you David!

siket love c

David is an exceptionally reliable and professional mortgage adviser who guided us seamlessly through the home-buying process. He helped us secure our home and handled every step with confidence, clarity, and genuine care. He consistently demonstrated patience and kindness, taking the time to thoroughly explain each detail and answer every question without hesitation. His calm, reassuring approach and strong expertise truly set him apart. David not only supported us but empowered us to make informed decisions, and we always felt confident in his advice. We’re incredibly grateful for his dedication and would highly recommend him to anyone.

Shimelis F

He was great. He was awesome.kim was the bomb David company is done in excellent .He was a lifesaver and he was a blessing. I thank God that I was able to meet up with David. He’s been such a breath of fresh air. for company that does things and a professional level and do things in excellent. This is the company 🏡David I will use you again and again and again .thank you so much for what you have done for me and my family. We so appreciate you and your company you need to go train other companies how to do what you do.we love our home.

Lela B

David is an exceptionally reliable and professional mortgage adviser who guided us seamlessly through the home-buying process. He helped us secure our home and handled every step with confidence, clarity, and genuine care. He consistently demonstrated patience and kindness, taking the time to thoroughly explain each detail and answer every question without hesitation. His calm, reassuring approach and strong expertise truly set him apart. David not only supported us but empowered us to make informed decisions, and we always felt confident in his advice. We’re incredibly grateful for his dedication and would highly recommend him to anyone.

Shimelis F

David Neiheisel was our mortgage advisor for our first home purchase. Since it was our first purchase, we had a lot of questions & there were many things we didn’t know about. I could text him a question anytime & he was always happy to help and he is very knowledgeable. He took the time to make sure we understood the entire process & all of the paperwork. I enjoyed working with him. I would definitely recommend him to anyone interested in buying a home.

Lisa L

David Neiheisel was our mortgage advisor for our first home purchase. Since it was our first purchase, we had a lot of questions & there were many things we didn’t know about. I could text him a question anytime & he was always happy to help and he is very knowledgeable. He took the time to make sure we understood the entire process & all of the paperwork. I enjoyed working with him. I would definitely recommend him to anyone interested in buying a home.

Lisa L

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)

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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
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
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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
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
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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.

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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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