Your   homeownership journey starts here

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

Esther McCowan portrait for financial services and loan options.
Professional headshot of Esther McCowan against a brick wall, highlighting trust and expertise.
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: #150987

Esther McCowan

Sr. Mortgage Advisor

My name is Esther McCowan and I am a Senior Mortgage Advisor with Preferred Rate. Since 1995, I have been working in the lending industry as a Loan Officer. The most important thing I want you to know is that I offer GREAT SERVICE! I cater to my clients with great communication while offering my professional skills to maximize your borrowing power to help you facilitate a loan to purchase your home today!

Licensed in:

TN

Why work with me?

5.0/5 Rating

33 reviews

Real clients. Real results.

She is very friendly and knowledgeable. She helped us understand every step and was there to answer all questions we had.

Nicole M

We felt very blessed to work with Esther and Brandi. They made the process very easy for us and kept us informed. They bring a lot of invaluable industry knowledge and experience. I hope to have the opportunity to work with them again.

Kathryn K

Esther was amazing. Everytime we had a question she was always right there to help us and answer it. We highly recommend her. 

Melissa C

Esther was so incredibly helpful and prompt each step of the process. I highly recommend Esther for your loan needs! 

Lisa W

Esther was fabulous at her job, very professional and knowledgeable in her work.

Jimmey W

Esther helped to clarify some issues we were facing when purchasing our home. She was very down-to-earth and honest and we would use her for our next lending opportunity.

Jim B

She help us get a house against all odds forever grateful

Dulton R

Esther is the best. She has worked with me and my husband for right at a year. I told her I wanted to buy a house in a year and she made it happen. She has helped me get my credit score up from a 530 to over a 650 in a year. She will bend over backwards to help her clients and keeps you in the loop the whole time. Finally got the house I wanted at before the deadline I set. I highly recommend

Christy H

Awsome awesome awsome

Tracy B

I am so grateful for Esther!! She made our home buying process so seamless and as simple as possible! She is extremely caring and attentive, she made sure to make us always feel safe and heard and we are so blessed to have had such a great team during such a big process! I look forward to working with her in the future!!

Tiesha I

Every question we had was answered quickly and clearly explained in a way that was easy to understand. Her knowledge, patience, and professionalism truly made this process seamless. We truly felt supported at every step. We are so grateful for her hard work and would highly recommend her to anyone looking to buy a home.

Brittany D

We had an amazing experience working with Esther McCowen as our loan officer. From start to finish, she was knowledgeable, responsive, and truly had our best interests at heart. She explained every step of the process clearly, answered all of our questions, and made what can be a stressful experience feel smooth and manageable. Esther went above and beyond to make sure everything stayed on track, and we are so grateful for her dedication and professionalism. We highly recommend Esther to anyone looking for a trustworthy and supportive loan officer!

Vanessa V

Esther Mccowan was amazing to work with she made the process a phenomenal experience! I could not have asked for anyone better!

Aaron W

Esther was very helpful and friendly .

Danny H

I would highly recommend Ester. She communicates well. Promptly returns phone calls and emails. Will be honest in answering your questions.

Geovonna H

great service. very very knowledgeable and kept in contact. Always responded to any emails or calls quickly. Sent out weakly updates. very nice. would highley recommend.

Geovonna H

I’m a single woman who purchased her very first home and after speaking to many lenders I chose Esther McCowan at Preferred Rate not only did they offer me the best interest rates and deal, but she personally was very kind and and helpful with answering all my questions no matter what time I reached out she always got back to me in a timely manner, working with me and my difficult schedule. She always made me feel like my questions and concerns were valid, which after having several negative experiences with other lenders made me feel much more confident in the decisions I was making throughout the whole entire process, I highly recommend if you are looking to buy a home that you reach out to her, she is absolutely one of the best and will make your experience so much better. I know if I ever decide to purchase another home I will be going back to her

Hannah W

Great experience

Bobby R

Esther, was very professional and easy to work with. She was very helpful and informative from start to finish. She has a great personality and we thoroughly enjoyed working with her. I would highly recommend her.

Lana R

Esther was great was a lot of help when I couldn't figure out how to do the paperwork

Beverly L

Esther was really good she went out of her way to help with the process will use her again if ever buy another house

Kenneth L

Esther is one of the sweetest, most determined persons I have dealt with. She works hard for the best deal you can get. She knows her stuff! Easy to talk to and easy to understand. I highly recommend her and her team.

Slow 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.
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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.
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.
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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.

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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.

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  • Competitive rates
  • Expert support
  • Easy process