Your   homeownership journey starts here

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

Gary Krakowski smiling in professional attire, representing trusted mortgage services.
Gary Krakowski, a dedicated mortgage expert at Preferred Rate, providing personalized financial solutions.
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: #225730

Gary Krakowski

Sr. Mortgage Advisor

Your mortgage is personal, and I understand that. Whether you’re looking to buy, build, or refinance your home, our experienced mortgage professionals are here to help. Here at Preferred Rate, we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Plus, as a mortgage professional, I am dedicated to finding the right loan with great rates, terms and costs to meet your specific needs. Financing a home is one of the most significant commitments you will ever make – let me guide you throughout the entire loan process from application to closing and beyond. I look forward to putting our mortgage service to work for you!

Licensed in:

IL

Gary Krakowski's team

Logo of Preferred Rate, a financial service provider for mortgage and loan solutions.
Preferred Rate's logo representing trusted mortgage and loan services for homebuyers.
Alan Walsh
Mortgage Advisor/Loan Officer Assistant

Licensed in IL

1801 S. Meyers Road, Suite 500
Oakbrook Terrace, IL 60181
Branch License #1962205

Why work with me?

5.0/5 Rating

419 reviews

Real clients. Real results.

Gary and staff were great and very knowledgeable helping us with the right loan for our application. Thank you Tom Ward

Thomas W

I can not express the sincere gratitude I feel for Gary and his team. They walked me through every phase of buying my first home with kindness and professionalism. 10/10 EXPERIENCE

Kelly L

The Krakowski team is such a wonderful team to work with. Reliable, fast, and very professional. I had the opportunity to work directly with Corey and Gary, and considering this was my first time purchasing a home, I did not know what to expect. However, they made it a mission to ensure all of my questions were answered, they made sure my first time as a homebuyer all my financial options/resources were explored, and to be quite honest, their flexibility with my work schedule is what made all of this work out. I appreciate their team as well, Amber P. for always answering promptly whenever I had a question too. 10/10 would reccommend.

Daisy L

Being able to make buying a home and closing on a house less stressful is something I didn't know was possible. Preferred Rate made everything I had to do, step by step, easy and possible with my busy schedule.

Douglas C

Gary and his team Brian and Amber were amazing with my loan. They worked really hard every day to get me to my home. I was a hard case but they really worked their magic. I would greatly recommend them. Thank you Gary and team.

Jennifer M

Patient, knowledgeable, honest

Karla R

Excellent experience with Gary Krakowski and his team! The online paperwork portal was smooth and easy. Everyone was very helpful and responsive and it’s reassuring to know I can refinance for free if the rates drop soon.

Jennifer M

Gary and his team too may VA loan and got it all the way through underwriting with no hiccups. Fast and great communication. I recommend Eric his assistant as a great communicator.

Nick T

Our extended family has worked with the Krakowski group for 4 of our 4 most recent transactions. Gary is a wealth of knowledge and will make sure you get your questions answered. The office team was on top of it and was also there to navigate the road to closing!Great friendly communication all around, happy to be new homeowners again!

Jared S

Gary was incredible throughout our home-buying journey. He was always available to answer our numerous questions. walked us through every step. His communication was outstanding, keeping us informed about each stage of the process, which truly put our minds at ease as first-time buyers. We highly recommend Jim for his expertise, professionalism, and dedication to his clients

Michael S

Gary and his team were wonderful to work with. Very informative and communicative at every step of the process. Would definitely reccomend.

Christopher B

Gary was the best! He walked me through all the silly, little questions that came up at all times of the day. I’m extremely happy with the Krakowski team and would recommend them any day!

Morgan P

Gary and his team were great! Answered every question that I had and also responded in a timely manner. Thanks again!

Alexis S

It was really great working with Gary. Very professional and updating me on what to do and what to expect at every point. The app was very easy to use . I will recommend their services to everyone one.

Kisito N

We moved from out of state and Gary made the loan processing side of things as easy and painless as it could be. Gary responded expediently every time I needed information or clarity on something. The whole time we were working together it was like talking to an old buddy from high school who genuinely had your best interests in mind every step of the way.

Dan G

My husband and I hadn’t purchased property in over 40 years. Needless to say, we were very stressed and nervous. Gary was wonderful! He explained everything, was patient, friendly and always accessible when we had questions or concerns. The entire experience was so much better than we ever expected! I would definitely recommend using this group to anyone in need of a mortgage! THANK YOU!

Mary Beth B

Gary and his team did a great job preparing our loan. Communication was excellent. Highly recommend them.

Kathleen D

Gary and his team are amazing from start to finish. My husband and I decided to sell our house and move and it happened really fast except the process is grueling. I never felt alone with Gary and his team they were always there to answer all my questions even when they were silly. I would not have gotten through this process without the amazing support of this team. I can’t thank them enough Thank you Gary,Eric and Amber for making this important journey easier.When choosing a lender you would be stupid to not go with this team. 5 stars all the way.

Lori

I had an outstanding experience working with Gary and his team I had a lot of questions. He made the entire process feel smooth and understandable.

Jihene K

They knew the answers to all my questions. Very timely communications.

James P

Gary was fantastic to work with. As first-time homebuyers, he and the team made the process less daunting and was able to explain everything that was happening with ease. When surprises popped up, he addressed them quickly and empathetically. Could not recommend Gary & team's services enough!

Scott S

Gary and his team made the lender process easy and seamless. They made sure everything happening was understood by me. Would definitely recommend working with them for your lending needs.

Trayton Archer M

They helped us immensely. Great communication and process

Edward N

Gary and his team are the best.  Honest, knowledgeable, thorough.  Gary has processed 7 mortgages/refis for me in the past 15 years and the process is always as painless as it can be.

Dana W

We feel so lucky to have been referred to Gary and his lending services for our new home. Upon the first conversation we had with him, we clicked immediately and we felt so safe and confident going forward with him and his team. He explained every question that came up with professionalism and attentiveness, even calling us back outside of normal office hours and spending any time necessary to address our concerns. His fun and approachable personality turned a somewhat scary process into an exciting one! We feel that we received above and beyond personalized service we would not have received with a big bank lender.We would HIGHLY recommend Gary and team at Preferred Rate for your lending needs!

Nicole B

We can't thank Gary and his team enough for helping us secure our dream home! From start to finish, they were incredibly supportive, professional, and attentive to our needs. Their expertise and guidance made the entire process so much smoother, and they were always there to answer our questions and offer advice. We truly felt like we were in great hands every step of the way. Thanks to them, we are now in our dream home, and we couldn't be happier! Highly recommend!

Amber B

Awesome service from Gary, Amber and the entire team!

Grant S

Gary and his team are the best. They were ready at a moments notice to answer all of our questions. They got us accurate mortgage payment estimates when looking at properties and they are all very in tune with the market. I will be recommending Gary to everyone that I know.

Daniel K

Gary and his team are best of the best. They expertly answered all my questions and kept things simple and smooth. I would use him again in a heartbeat!

Jared M

Gary Krakowski comes with our highest recommendation! He leads an attentive, smart, principled, highly professional team who made us feel cared for and safe throughout our home purchase journey! Bravo!

Carlos G

The communication was very good. We had a very easy process from start to finish. The staff is great to work with.

Tina F

THANK YOU, THANK YOU, THANK YOU.Gray and his Allstar team did a fantastic job.  If we had a question or a concern, they were on it.  This team hit a Home run, scored a touchdown, and made the winning goal.  I will definitely tell my friends and family.  Again,  Thank you, Thank you, Thank you 

Frank F

Super helpful, knowledgeable and responsive. I greatly appreciated working with Gary.

Michael C

Gary and his team are beyond wonderful. They take the time to explain everything in detail. They care about their clients and make time for them, even on weekends. Working with Gary has made the loan process incredibly easy, especially in the stressful time of home buying. I couldn't recommend them more!

Heather T

If you are hesitant about mortgage lenders and feel as if you are getting the run around, I promise, Gary Krakowski will take care of you flawlessly. Not only does Gary go the extra mile and explain all of the items that may be beyond foreign to you, but he will also respond quicker than friends and family! There is not another person I would trust with setting up my mortgage than Gary and his team. The professionalism is off of the charts, the attention to detail is incredible, and Gary makes the whole process fun and entertaining at the same time. Thank you so much for everything you do, and all of the hours you put in to helping my girlfriend and I secure our dream home. I’ll be referring all of my friends and family directly to you. You’re the man! 

Sean A

Corey and his team worked extremely hard to get me into my brand new home and did not give up on me despite last-minute challenges, which is what I was expecting. thank you, Corey!!

Nara G

Professional, friendly and knowledgeable much appreciated going through the lending process. Thank you

Brian V

Gary & his team are highly responsive, answering all of your questions regardless of the day of the week. He & his team took away a major stress factor for us & allowed us to focus on other aspects of moving.

Laurie H

Gary is great to work with!! Was very quick in getting my mortgage all set to go!!!

Ricky J

Gary and his team made the process so easy! My realtor was surprised at the speed things were done. Made this part of my home purchase a breeze.

Kristen N

Gary and his team were the best to work with, they were extremely attentive and understanding, they were quick and did great work overall, everyone on the team was so nice and great to work with, they explained everything so clearly and if we had any questions, we were able to reach anyone on the team very quickly, they helped us understand every step and document so that we were not blindly signing things away. Would absolutely reccommend over and over again!

Sam B

Gary and his team were the best to work with, they were extremely attentive and understanding, they were quick and did great work overall, everyone on the team was so nice and great to work with, they explained everything so clearly and if we had any questions, we were able to reach anyone on the team very quickly, they helped us understand every step and document so that we were not blindly signing things away. Would absolutely reccommend over and over again!

Samantha B

Gary and his team were the best to work with, they were extremely attentive and understanding, they were quick and did great work overall, everyone on the team was so nice and great to work with, they explained everything so clearly and if we had any questions, we were able to reach anyone on the team very quickly, they helped us understand every step and document so that we were not blindly signing things away. Would absolutely reccommend over and over again!

smneu18

Gary and his team did an amazing job for my recent real estate purchase. First, I hadn't purchased in a few years and was surprised by the increase in costs. Gary took the time to go over them and explain them to me satisfactorily. Next, I had a very tight timeline. His team did everything possible to make it work. They are great communicators and I enjoyed the process.

Susanne C

Everyone at preferred rate we're excellent to work with

Bob K

Gary is an outstanding loan officer and their company preferred rate is the best. I highly recommend Gary and his team for a smooth home owner transition. Everything was done in a timely manner without any delays. Thank you Gary!

Sara M

Gary was great to work with! He helped me every step of the way and was always available to answer any questions I had.

Justin C

Gary and his team were absolutely amazing. I could not have asked for a better process.

M N (

I would highly recommend using Gary, great and friendly service. Thanks Gary.

Matthew L

Gary has been with us through our last 4 mortgages. We threw him another quick deadline and his team pulled through once again. I have no doubt he can handle any and all situations. We've thrown him quite a few curves and never had an issue.

Scott M

Gary and his team were phenomenal to work with! Gary and Eric both have a great personalities making each step of the loan process a little more fun. We would highly recommend Gary and his team to anyone looking for a loan.

laura L

Gary and his team demonstrated exceptional efficiency, thoroughness, and reliability. We have successfully closed on two homes with Gary and are very satisfied with the quality of his work. Thanks so much for helping the process run smoothly!

Alex A

Coming into the house buying experience not knowing very much about any of it, Gary did an amazing job coaching me and my wife up and walking us through everything step by step. His communication throughout the entire experience was unbelievable it really didn’t matter when we called him he was always there to answer our questions. Wouldn’t have wanted to have used anyone else for this major purchase!

Mark F

Gary was always available to answer any questions promptly. His entire staff went over and beyond to make sure I understood the pre- qualification and closing process. They were helpful and very friendly. Buying a house can be overwhelming but the entire staff made it a smooth process for me. I would highly recommend

Jennifer W

Very easy to work with, great communication between all parties involved. I would highly recommend.

Michael A

First-time homeowner here.We had the best experience having Gary as our loan officer. He was fast with work and response time if we had questions or concerns. But the best part of our experience was that he will work for you and with you through the whole process. We felt like we learned a lot through our conversations because he explained information really well, and then he'd diligently find what works best for us. He's an upstanding guy, and he's the only name I'm recommending to people who are looking for a loan officer

Maddy G

First-time homeowner here.We had the best experience having Gary as our loan officer. He was fast with work and response time if we had questions or concerns. But the best part of our experience was that he will work for you and with you through the whole process. We felt like we learned a lot through our conversations because he explained information really well, and then he'd diligently find what works best for us. He's an upstanding guy, and he's the only name I'm recommending to people who are looking for a loan officer.

Madison G

First-time homeowner here.We had the best experience having Gary as our loan officer. He was fast with work and response time if we had questions or concerns. But the best part of our experience was that he will work for you and with you through the whole process. We felt like we learned a lot through our conversations because he explained information really well, and then he'd diligently find what works best for us. He's an upstanding guy, and he's the only name I'm recommending to people who are looking for a loan officer

Chris G

Working with Gary and the rest of the crew was great. They made the process easy and painless. I will definitely be using them again.

Robert S

Gary and his team were so easy to work with. They were very knowledgeable and were quick with responses to all my questions. They made the home loan process very easy

Lindsay S

The loan process went very smoothly. I would highly recommend Preferred Rate.

Laurie O

Experience couldn’t have been better. Very helpful throughout the whole process. Quick and gets things done. 10/10

Daniel A

You and your teams did excellent job. They were always there to answer my questions, especially Corey. Thank you so very much.

Lucy B

Gary is great to work with!!! He gets the deal done,easily, and affectivly!! We would recommend Gary to anyone looking to finance a home!!!

Belusa United 16 Ice- Emily L

Very helpful,and informative explained in detail everything I needed to know.im very greatful to have had him as a loner.i really appreciate him.He walk me through everything with ease.

vscott c

Gary and Eric walk me through the whole process of my loan. If I called or emailed for any reason very quick response. Two of the great guys I ever worked with during my home owning journey. Thank you guys for being so amazing!!!!!

Tera M

Gary Krakowski and his team at Preferred Rate were THE BEST. They made the process so easy and seamless. Highly professional, knowledgeable and responsive. Quick to respond to our questions and educated us along the way. Always looking out for our interests. It was a pleasure doing business with this team of Professionals. Nathan and Mary Turner

Mary T

Gary and Eric were incredible to work with. I was referred to them after being pre-approved by a different lender. They were able to get us down to half the amount in closing cost and a lower rate. Gary and his team are incredibly Veteran friendly and made my husband and I feel supported and well-informed throughout the entire experience. We are first-time home buyers and had the smoothest experience which we are so grateful for. Highly recommend!

Savannah R

Gary was patient and available to answer our questions at all times (and we had quite a few!). It was my first time purchasing a house and he helped ease our nerves during each step. He also fast-tracked (it took about two weeks) our loan to ensure we would be able to move in on the initial closing date. We could not be happier with the service his team provided us with!

dizzida123

I would like to first say thank you to Gary and his wonderful team. I was very wary on the process only because this was my first home purchase but let me tell you don’t be! You’re in amazing hands! Gary and his team has made this such an easy process, stress free and helped me the entire way. They answered any questions or concerns I had in a timely manner. I was so impressed with this process and how quick it went. I couldn’t have done this without having great people working for me to make this happen. I highly recommend Gary to anyone whether you’re a first time home buyer or not he will make this process so streamline. Appreciate it Gary!

Dylan G

Very informative and helpful along the way, made buying my first home much easier than anticipated!

Kaitlyn B

I always thought buying a house would be difficult. But Gary and his group made it so easy! Thank you for all your help!

Robert B

I would highly recommend Gary to any and all friends looking for a strong lender he has helped in every way needed.

Brandon R

It was an excellent experience working with Gary. He is honest and wants to do right by his clients. Initially we chose to finance our mortgage through BofA as we were intrigued by their down payment assistance “Grant”. Long story short BofA denied us for the grant 1 week before closing. Gary and his team took immediate action and we were able to figure out a way to make it work and still close on time. We had serious doubts that we may lose out on our house, however, Gary made it happen. I highly recommend and will be referring him to friends in the future!!

Mikey F

You all as a team was patient & gave us all the information we needed and was detailed & responded to any problems or questions we had in a timely fashion. You guys made us feel comfortable with the whole process. Thank you

Antonio G

Gary and his team at Preferred Rate were absolutely amazing! They met all of our lending needs to a "T", both quickly and efficiently. They were friendly, informative and went the extra mile to make our transaction worry free. They are our lending "Go-To" for life!!

Jamie M

Gary and his team at Preferred Rate were absolutely amazing! They met all of our lending needs to a "T", both quickly and efficiently. They were friendly, informative and went the extra mile to make our transaction worry free. They are our lending "Go-To" for life!! ♡

Jamie M

Gary and his team at Preferred Rate were absolutely amazing! They met all of our lending needs to a "T", both quickly and efficiently. They were friendly, informative and went the extra mile to make our transaction worry free. They are our lending "Go-To" for life!! ♡

Jamie M

I was initially hesitant to go with them but wow I'm so glad I did. Everyone I worked with was kind, professional, patient, and overall amazing. I was most grateful for the quick communication. Everything goes fast once you put the offer in and they responded faster than any other lender. That continued throughout the entire loan process too. I got a great rate and they eliminated most of the stress in getting the loan. I would definitly recommend Preferred Rate and will go back next time we buy.

Taylor L

Personable explained everything verethoroughly and pleasant to deal with

Michael K

Very helpful and fast service by starting to end the whole process.

Iquabalbhai V

Gary made the loan process incredibly quick and easy and went completely out of his way to help get us our dream home! He was always available whenever we needed him or had a question no matter the day or time and couldn’t be more personable!

Jessica J

Gary and his team kept us updated throughout the entire process. As a self employees lender it took additional Al efforts to get us approved, but he got it done. Great experience! Would use again.

Bosentang

Great communicators! Gary and his team kept us up to date throughout the entire process. Highly recommend!

Michael

The best

Richard S

Gary Krakowski is great at his job! He doesn't rush you on the phone, very reliable, provides detailed information, and answered all of our questions. The loan process was so easy. Gary and his team are quick to respond, friendly, helpful, went above and beyond for us. My husband and I are very satisfied with him and the team! Great experience! Highly Recommend!

Gisselle R

The whole team was excellent

Joanne N

Gary, Brian, Amber, and team were very responsive, friendly, knowledgeable, and helpful. Overall, this was a great experience. I appreciated the timely communication and well-structured portal that helped to keep everything organized and made the process flow smoothly.

Marta T

I like their working process. They are very fast and clear. Thank you for the help.

Yunjeong K

Gary, Eric and his team were very helpful in our home buying process. They were always willing to make themselves available to answer any questions we had along the way. I would use them again in the future.

Luisa D

Gary and his entire team were very helpful in obtaining the best possible rate in this current interest rate environment and the best possible loan for my property.Gary took the time to explain the pros and cons of many different loan and borrowing options. One thing you should also know about Gary and his group, is they are upfront and realistic about the numbers involved in the closing, about what is really an affordable mortgage for your situation, and they do not play games with interest rates and figures.In my opinion I received and you also will receive, get the best and the least costly loan that you qualify for based on your situation.Obviously, this will vary from person to person, everyone’s financial situation is different, and your mileage may vary. But with Gary and his group, what you see, is really what you get.Highly recommend.

Dave R

Gary and his team were amazing! Every step of the way they made the home loan process easy. I understood what was needed from me, and was always informed along the process. Gary and his team at preferred rate definitely helped us get into the home we wanted! Thank you again!

Mr F

Corey and Gary's team were the quickest, best responding team. They helped my wife and I purchase our first home and found a great loan for us. Every time we called or texted with questions or concerns, Corey was always quick to answer and gave us peace of mind. They communicated throughout the entire process. We are extremely satisfied and grateful for the service they provided. HIGHLY RECOMEND!!

Michael G

They helped me buy my first home! They were able to get me much better approval than the other lender I tried, and much easier.There are some hoops to jump through as is the process of buying your first home, but I always felt I could ask ALL my questions at any time and always received a quick response.I worked with Corey a lot and he really helped guide me and really went the extra mile to make a mortgage work for me.Great lending company, and I will be returning.

Vicky H

Great experience! Gary and his team did a fantastic job of keeping us informed and moving the process along! Highly recommend!

Patrick C

Can’t stress enough the support I received. I felt like I was walked through every step of the way til my final approval. First Class support and genuine customer service with both informing and answering questions. Can’t wait to do business again! Thank you! Happy Home & Happy Family!

Freddy G

It was a pleasure working with you and your company.

Mariellen H

I recently had the pleasure of working with a The Krakowski Group for my Condo purchase, and I cannot express how grateful I am for their exceptional service. Corey Krakowski was very efficient and responsive right from the beginning and until the Closing time. Amber was always there to answer my questions and provide feedback while following up with various parties involved. Their thoroughness significantly reduced the chances of delays or complications during the closing process. Furthermore, their professionalism and attention to detail were truly commendable.

Bhanu M

Gary, Amber, and Brian went ABOVE & BEYOND to ensure we could make our dream home happen at a monthly payment we were comfortable with, no pressure to exceed!! Gary was available and quick to respond anytime we texted with a random questions and was EXTREMELY KNOWLEDGEABLE about how to secure the best rate during this time of rollercoaster rates. At one point, we almost walked away from our dream home due to rates increasing but Gary did not give up until he found a way to make it work. We'll be moving in in less than a month!!

Margaret L

Gary and his team were incredible! Gary was reliable, had great communicate and helpful. If Gary was unavailable, there was always someone on his team who was able to assist us.

Dana C

Extremely grateful to Gary and his team for making the loan process stress free. Amber Pugsley is so professional and a pleasure to work with getting everything I needed. 5 Stars is not enough for this team. Thank you very much Gary!!!

Brian K

The Krakowski Group was fantastic! Extremely helpful with all aspects of the financing and paperwork. You kept in contact with us throughout the process, advising us on each step. Amber Pugsley was an all-star assistant! Emails and documents were clear and readily available online. When there were snags you found the answers. I highly recommend your group.

Douglas B

Every single person that i worked with on garys team was amazing, including gary!. Every one was so patient and very thorough with every thing and any question i had

kat c

Gary and his team are absolutely wonderful to work with

Malise C

My husband and I had a great experience as first time home buyers. We really felt like we were being taken care of.

Natalie B

Very helpful and responsive!

Aaron B

Very Informative and professional. Help me immensely during the process of buying my first house.

Jeremy B

I have worked with Gary for more than 10 years now and I must say he is the best. He is honest and trustworthy. He actually took the time to help me stop unwanted harassment from another lender. There were two other lenders, who were only supposed to be giving me an interest rate quote, who decided to start the loan process and proceed to order an appraisal. I made several attempts to stop the process without success. After discussing the issue with Gary, he was so king to contact one of the lenders on my behalf. After His conversation with her she finally stopped the harassment and phone bullying. I really enjoyed working with Gary. He’s the BEST and I will ONLY work with him moving forward. If you are in the market to purchase a home please contact him. You WILL NOT be disappointed.

Pamela P

Gary’s office was able to get me pre-approved extremely quickly. After securing a deal on a condo I was able to close in less than a month with a very smooth and easy process. They were in contact with me frequently to follow up and make sure everything was done timely and correctly. Thank you guys! I will be coming to you again for future purchases.

Joseph

Very quick and answered all the questions that I had, which were many as a first time home buyer.

Joseph R

Working with Gary and his team was a wonderful experience. They were attentive, helpful, informative and really cared about helping us with the purchase of our home. I would highly recommend Gary and his team!

espires7

Best services I've ever encountered, they are attentive, patient and wonderful

Ana P

Gary amd his team are alway at 100% this is my 7 th loan with them and it just keeps getting easier to work with them they are will in invest the time to make the process simple amd effective wouldn’t take my business anywhere else.

LUIS P

Gary amd his team are alway at 100% this is my 7 th loan with them and it just keeps getting easier to work with them they are will in invest the time to make the process simple amd effective wouldn’t take my business anywhere else.

LUIS F

Best services I've ever encountered, they are attentive, patient and wonderful

Ana P

Everything went great

TIMOTHY M

Gary has been excellent from the beginning to the end of our home buying experience! He is extremely knowledgeable with tons of experience and he never once ignored a text or call from us even on off hours. I highly recommend Gary and his expertise to anyone who is the market for purchasing a home! Thank you Gary for everything you did for us!!

Paul C

Went above and beyond to get the financing I needed and close my deal. Forever greatfull

saunders t

Very personal and made the whole process easy. Highly recommend

David H

Gary & Cory were the absolute best!!! They made the process as painless as possible.

Julie W

I want to thank the entire team ,For making our family dream come true.These guys go the extra mile to make it happen. Im very happy to recommend them.

Jose H

Very helpful, gives it to you straight and on point. I would highly recommend them to use.

Joe F

Ovwrall I was satisfied with the loan services, the process and approval time was quick, but there were areas where I felt a lack of communication.

Rita B

Everything’s great. Fast and very smooth process. We don’t have any problem so far with Gary , our Loan officer and his staff were very accommodating. Big thanks to them❤️

Janith Y

The process was easy and hassle free with Gary and this Team.

Tiara R

I couldn’t ask for a better team! My experience was amazing and I’m now enjoying my beautiful home! Thanks again for job well done!

Donna B

Gary is the best! He and his team are super responsive and very knowledgeable. They take the time to explain everything to empower you during the home buying process. Wish I could give more stars.

Tiffany M

Was a total pleasure working with Gary.. his expertise made light of business end, which allowed me, to get on to the enjoying part of home ownership that much more quicker. Great experience

Billy H

This was our second loan with Gary, and we couldn’t be more thankful for him and his team. Even during the government shutdown, Gary worked tirelessly to keep us updated on our VA loan and truly cared about our situation and the circumstances we were facing. He was personable, understanding, and went above and beyond to make sure we got the best rate possible and that everything met our expectations. His team was transparent, quick to respond, and always willing to work with us to make the process smooth and stress-free. We’re so grateful for all of their hard work and dedication in helping us buy our home. Gary truly cares about his clients, and it shows in everything he does!

Shelby K

Honestly to work with Gary and his team was a breeze, calls were to make sure that your questions and concerns are addressed. Attentive to everything from start to finish. Let Gary and his team take care of you, you will not regret it.

Mark M

Gary is a professional who completed my mortgage refi with transparency and honesty. He works with high level of integrity, something I didn’t experience with his competitors.I bought a house two years ago and he secured the original mortgage funding. I went with him because his office was attached to my realtors office. I liked working with him, but it was my first house so I had nothing to compare his services to.Two years later, I elected to refinance my mortgage. I decided to shop around because I wanted to get the very best deal on a refinance. When I first made an inquiry online about a refi, I began getting bombarded with lenders from California to Detroit, about 5 phone calls a day for months. These lenders are charismatic, charming, and relentless. I nearly signed two seperate times from lenders like this. One was a rate that was much worse than currently available. I got what seemed like 30 sign now! emails, but when something didn’t feel right, the savvy salesmen I was speaking to for weeks were nowhere to be found. The next loan I almost signed was perfect, but then the closing papers were different than the original I signed. This sneaky lender tried to sneak in a 7,000$ commission fee that wasn’t on the original files I signed.After my two negative experiences of almost getting tricked into a bad deal and three months of answering the phone to hustlers from all across America, I reach out to Gary Krakowski. His honesty and transparency was refreshing after the three months of nonsense I put myself through. His mortgage refinance was a competitive rate and the cost of the refi was less than my monthly mortgage payment.

Timbo N

We used Gary Krakowski and his team at Preferred Rate Mortgage and had a great experience. Gary and his team we very informative and made buying a home an enjoyable experience. Highly recommended

Jim H

Gary and team were amazing. Very patient with me as I learned how to buy my first investment property. They are very straightforward and open and will treat you fairly. Gary has a lot of experience with real estate investing himself and works with many other investors, which makes a big difference. You need a loan provider that looks out for you, and Gary proactively called me several times during my deal to provide guidance. I plan to buy may more properties and will work with Gary for all of them. Thanks!

Raymond M

The best experience ever - I was given A-1 treatment. Cared about me and my feelings. Very honest and forthright 

Karen A

Working with Gary Krakowski as my mortgage advisor was truly an outstanding experience. From start to finish, Gary made the entire process smooth, stress-free, and easy to understand. He took the time to explain every option, answered every question with patience, and always made sure I felt confident in each step we took.Gary is incredibly knowledgeable, responsive, and genuinely cares about his clients. He kept me informed throughout the entire process, provided clear guidance, and went above and beyond to help me secure the best possible loan. His professionalism and dedication are unmatched.If you’re looking for someone who will put in the work, communicate clearly, and treat you like a priority, I highly recommend Gary Krakowski. I couldn’t have asked for a better advisor. Highly recommend!

Joe J

Gary and his team were great in every step of the way. Very quick to respond and answered every question we had. Gary got recommended to me by a friend and I understand why and I will be referring him to all my friends as well. 

Timothy A

Great job as always Gary! Thanks for all your help! Highly recommend!

Stefen O

Gary was great to work with. From start to finish he stayed in contact with me and gave me detailed answers about paperwork and other things regarding the process. I felt that he was also very considerate and understanding of my crazy schedule while politely pushing to keep things on schedule as we moved towards closing. Highly recommend.

Ryan G

Gary and his team were very professional and helpful throughout the process. It was as seamless experience from start to finish. Any questions I had were answered promptly and clearly explained. They helped take the stress out of the process! Thanks again!

Nick B

The Krakowski Group was fantastic to work with!!!

Sara B

Gary and his team were very professional and helpful throughout the process. It was as seamless experience from start to finish. Any questions I had were answered promptly and clearly explained. They helped take the stress out of the process! Thanks again!

Nick B

Gary made it easy to close in less than 30 days. His assistant Swenia was persistent and meticulous in gathering documents. The portal made it easy to upload documents also. If we needed another mortgage, we have no doubt Gary would be our number one choice. Thanks Gary!

CK H

When you choose to use Gary, you’re not just getting a mortgage lender your getting an entire team Of people dedicated to helping you get to your dream home. My wife, my children and myself thank you and your team for all your dedication and hard work to help us achieve our goals of owning a farm.

Brandon B

Gary was diligent in seeking the best rate for us. We were very happy that our friend directed us to him. He handled our mortgage and when rates went down he handled the refinance as well. Both processes were seamless and we couldn’t have been more pleased.

dannyg10000

Gary and his team were incredible from start to finish. They walked me through every step of the process and tackled every single problem we encountered. I’m grateful to them all and will be a customer for life.

Gerard B

Gary has been my go to person since 2013 if you Are looking for an easy low cost no hassle loan process this is the team you use . I have worked with Gary for years and always shop around but in 20 some years no one has ever serviced alone for me besides Gary and his team. Why cause they are truly invested in making your loan a priority. They even come to you at closing. Un matched service, rates, service.

Luis F

Gary and his team were wonderful. They did a great job keeping me informed about what was going on and where we were at the loan process. Even more important to me was how caring they were and I knew they wanted the best for me. Love you Gary and team. Thanks so much for making everything easier

Carol 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.
Two workers in safety helmets working on a construction site, focusing on woodwork and project progress.
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.
Beautiful suburban house at sunset, showcasing a cozy home with a well-maintained lawn and welcoming entrance.
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.

$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
$0
HOA & PMI Fees
$0
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?

[email protected]

Couldn’t find your answer?

[email protected]

Home Loan Guides
& Checklists

View all

Ready to take the
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