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A confident woman with dark hair and a friendly smile, representing trusted financial and loan services at Preferred Rate.
Experienced mortgage advisor offering competitive rates and personalized service.
Francesca Porcelli Sourbis at Preferred Rate provides expert mortgage solutions in a welcoming home setting.

NMLS: #1503102

Francesca Porcelli Sourbis

Mortgage Advisor

Francesca Sourbis began her career in financial services while attending the University of Illinois at Chicago, where she worked in the Office of University Student Financial Services and Cashier Operations. She continued in that role throughout her college years while earning a Bachelor’s Degree in Italian and a Master’s Degree in Special Education. After graduating, she spent 12 years as an educator, an experience that deeply shaped her passion for teaching, communication, and empowering others.

Today, as a mortgage advisor, Francesca combines her background in education, finance, and client service to help individuals and families navigate the home loan process with confidence. She specializes in helping first-time homebuyers, clients exploring refinancing options, and buyers utilizing programs such as FHA and low down payment loans. Francesca is committed to breaking down the mortgage process in clear, simple terms so her clients feel informed and supported every step of the way.

Known for her responsiveness, patience, and attention to detail, Francesca focuses on making the home financing experience as smooth and stress-free as possible. Her mission is to educate, guide, and advocate for her clients as they work toward homeownership and long-term financial stability.

Outside of work, Francesca enjoys spending time with her husband and children, reading, walking, and playing board games with family. She also enjoys ballroom dancing when she finds the time. In addition to her mortgage career, Francesca co-owns a local wine bar, where she enjoys connecting with people and creating a welcoming community space. She occasionally participates in volunteer activities through her daughter’s school, including Feed My Starving Children events.

Licensed in:

IL

Specialties:

First-Time Homebuyer Programs

Conventional Home Loans

FHA Home Loans

STAR Loans for Teachers, First Responders, Nurses, and Other Qualifying Professionals

Refinancing Options: Rate & Term, Cash-Out, and Streamline

Low Down Payment Programs for Buyers with Limited Savings

Lending Specialties

First-Time Homebuyer Programs

Conventional Home Loans

FHA Home Loans

STAR Loans for Teachers, First Responders, Nurses, and Other Qualifying Professionals

Refinancing Options: Rate & Term, Cash-Out, and Streamline

Low Down Payment Programs for Buyers with Limited Savings

Why work with me?

5.0/5 Rating

47 reviews

30 Days

Average close time

10+ years

Of experience

Real clients. Real results.

Francesca was outstanding every step of the way. She was always available to answer questions. She worked her magic for my difficult situation. She always has the best interest of her customers and looks for the best possible outcomes for each unique situation. I would not hesitate to recommend her to anyone. Excellent service and quality personality. By the end of the transaction, she felt more like a friend than my lender. 5/5!

Nicco G

Pleasure to work with. Answered all my questions. I will recommend Francesca and her team to anyone I know!!

Omar A

Thank you Francesca for such great service. Your answers and awareness of our concerns during our purchase was amazing. Helping us through our bumps....I'm so grateful you heard us.

Norma K

I had the pleasure of working with Francesca to help my buyer clients secure financing for their new home, and the experience was outstanding from start to finish. She demonstrated a high level of professionalism, responsiveness, and expertise throughout the entire process.From the initial pre-approval to the final closing, Francesca communicated clearly and consistently, ensuring that all parties were informed and on the same page. She went above and beyond to explain financing options to my clients, helping them feel confident and supported as they made one of the biggest decisions of their lives.I would not hesitate to recommend her to any buyers looking for a knowledgeable and reliable lending partner.

Amy H

Highly recommended! She's amazing! She's very smart and made everything easy for us. No stress! She helped us to close our deal on time. Thank you Ms Francesca!

Jonalyn C

Highly recommended! She's amazing! She's very smart and made everything easy for us. No stress! She helped us to close our deal on time. Thank you Ms Francesca!

Jonalyn C

Great customer service! Buying a house is stressful and Francesca made everything so smooth! I highly recommend Francesca and her team.

erin

I worked with Francesca to refinance my mortgage and Francesca and her assistant made the process so easy. Francesca was very knowledgeable and did an excellent job of helping me to determine what the best options were for my current situation.Buying a home/ refinancing can be very stressful but Francesca's kind and calm nature helped to ease that stress. She was very supportive and answered all of my questions thoroughly and never seemed annoyed when she would explain something and then I would ask her to re-explain it a day later. She genuinely seemed like she was happy to help.The process and apps that were used made communication easy. Because refinancing/borrowing always requires a ton of documents, it can be difficult to keep track of things that need to be done. However, the communication from Francesca and her assistant was so very clear and timely throughout the entire process and the app that they use made it easy for requesting documents, uploading documents and keeping track of things I had/had not completed that I can honestly say it felt super easy and as stress free as refinancing could have been.I highly recommend reaching out to Francesca if you are buying or refinancing a home. I would give her >5 stars if I could.

Cheryl K

I worked with Francesca to refinance my mortgage and Francesca and her assistant made the process so easy. Francesca was very knowledgeable and did an excellent job of helping me to determine what the best options were for my current situation. Buying a home/ refinancing can be very stressful but Francesca's kind and calm nature helped to ease that stress. She was very supportive and answered all of my questions thoroughly and never seemed annoyed when she would explain something and then I would ask her to re-explain it a day later. She genuinely seemed like she was happy to help.The process and apps that were used made communication easy. Because refinancing/borrowing always requires a ton of documents, it can be difficult to keep track of things that need to be done. However, the communication from Francesca and her assistant was so very clear throughout the entire process and the app that they use made it easy for requesting documents, uploading documents and keeping track of things I had/had not completed that I can honestly say it felt super easy and as stress free as refinancing could have been.I highly recommend reaching out to Francesca if you are buying or refinancing a home. I would give her >5 stars if I could.

Cheryl K

Francesca was extremely helpful throughout the entire process of my loan. When I had questions she was immediately there to put me at ease and answer them. I would highly recommend her. I have recommended her to my friends and family because of the amazing job she does. I know what they work with her they will be in good hands.

Tina R

Francesca and her team we're very professional and easy to work with. They walked me through every step of the way and answered every question I had. Francesca, thank you for all your help!

Arturo M

Would not even think twice about recommending Francesca sourbis!, not only is she very knowledgeable, but very friendly, makes you feel like a friend.

Fernando R

Francesca and her team ensured that the financing process was as painless as possible.

Daniel Mc G

Fast and easy! Very professional & friendly stuff. This was my 2nd refinancing and both went as requested. All follow ups and taking care of customer business with full professional support is what Francesca and Tran do. Thank you so much for all your help with the heart ?

Margaret M

Team perfered rate has performed in an organized manner to help me bring my dream come true. Jim Hagerty, the realtor is experienced,has good customer service skills. Thanks team Francesca and perfered rate.

Husna R

Francesca and her team were incredibly helpful, resourceful and quick!! They respond fast and were a pleasure to work with. Highly recommend!

Nicole P

I’ve had the pleasure of working with Francesca on multiple transactions, and she is truly outstanding. She communicates clearly and consistently, which makes the process smooth for everyone involved. My clients always feel supported because of her caring approach and attention to detail. Francesca goes above and beyond to ensure everything stays on track, and her professionalism shines through at every step. I highly recommend her to anyone looking for a lender who genuinely cares about her clients and delivers excellent results.

Viki K

Francesca is incredible to work with. She Offers incredible loan products and has such an incredible way with clients. I would highly recommend her to anybody looking to purchase real estate. She is such a joy to work with and truly cares about the families she is helping in their home buying process.

Vasiliki S

Francesca is a pleasure to work with! As a realtor, I was able to work with Francesca on multiple transactions. She made the process very smooth and easy for our buyers. She effectively communicates as she responds quickly with updates. Francesca is very professional and knowledgeable in real estate, making the lending process very simple. I highly recommend her to anyone looking for a lender! 10 out of 10! Look forward to working with you soon!

Andy A

Francesca was extremely informative and patient! She made the buying process stress free! She met all deadlines without question! Often times it’s stressful at the end of a sale and I didn’t have any of these emotions and I was on a tight deadline! She assured me she could meet my deadline and she kept her word!

Caroline B

Pleasure to work with. Answered all my questions. I will recommend Francesca and her team to anyone I know!

Omar A

I couldn’t have asked for a better mortgage loan officer! Francesca was incredibly patient, always available when I needed her, and made sure I understood every part of the process. Buying a home can be overwhelming, but she made it feel easy and stress-free. I’m so grateful for her help and would gladly work with her and her team again in the future.

Athanasios S

Francesca helped with every step with purchasing my home from beginning to end. She is fantastic and was always there for me when l needed any concerns or questions l needed answered.

Kathy C

Loan Programs

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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

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A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program

Featured

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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)

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.
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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
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.
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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.
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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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

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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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