Your   homeownership journey starts here

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

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A stunning modern craftsman-style house featuring a landscaped front yard, large windows, and a spacious double garage.

NMLS: #2004413

Harwinder Kaur

Mortgage Advisor

With over five years of experience as a dedicated Loan Advisor, I am passionate about helping individuals and families achieve the dream of homeownership—especially first-time home buyers. Guiding clients through one of the most important financial decisions of their lives is something I take great pride in.

My goal is to build lasting relationships by offering honest guidance, tailored loan solutions, and exceptional service that exceeds expectations. I treat every transaction as if it were my own and strive to make the home loan process smooth, transparent, and stress-free.

As a real estate investor myself, I bring practical insight and hands-on experience to the table, allowing me to offer well-rounded advice that empowers my clients to make confident financial choices.

I am proud to serve diverse communities and speak Hindi, Punjabi, and Urdu fluently.

Let’s work together to make your homeownership journey a reality.

Licensed in:

WA and CA

Why work with me?

5.0/5 Rating

3 reviews

Real clients. Real results.

Aaron helped me get the best loan with best rate. He is also a caring and kind person that will make sure you are taken care of.

Lance H

Our Website

Our experience was awesome Kim was essential in our great experience in purchasing our home

Antonio c

Our Website

Shantel was very helpful in our loan process. She answered all of our questions, no matter how many we asked, and did everything possible to make sure we fully understood what we were doing and that we were comfortable during our home buying process. Shantel is awesome!

Andrea B

Our Website

Very helpful. And determined. To make it work. And they did just that I have, Depoc, Anne. Did a great job. I used this lending company throughout the years and they have just been awesome. Thanks keep up the good work.

James M

Google

Very helpful and answered all of my questions. Nothing shady.

Sarah V

Our Website

Leann was so helpful & made sure we stayed on track to complete our loan! Definitely recommend!

Jacqueline C

Our Website

Jen Jones and her team did a fantastic job helping me refinance my home.

Stephanie T

Google

Working with Dan Amsler for my mortgage was an absolute breeze. The guy can track tornadoes AND navigate mortgage paperwork like a pro — honestly, I’m convinced he can predict interest rates better than the weather. Dan made the whole process smooth, stress-free, and actually enjoyable (which is not something most people say about getting a mortgage). He was always quick to respond, incredibly knowledgeable, and made sure everything stayed on track from start to finish. As a local storm chaser and weatherman, Dan knows how to handle pressure — and thankfully, there were no “mortgage emergencies” under his watch. Just clear communication, great advice, and results. If you’re looking for someone to handle all your mortgage needs, I highly recommend Dan Amsler. Five stars — the forecast calls for low stress and smooth closings!

Jeff H

Google

I truly can’t say enough good things about Sarah during my home buying process. From day one, she was patient, understanding, responsive, and always willing to explain things when I had questions. Buying a home can feel overwhelming at times, but she never made me feel like I was bothering her or just another number. She stayed on top of everything, kept me updated, and really helped ease a lot of my stress throughout the process. I honestly felt like she genuinely cared about helping me become a homeowner, not just getting through a transaction. I’m so thankful for all of her hard work, support, and encouragement, and I would absolutely recommend her to anyone looking for a loan officer who truly goes above and beyond.

Laquisha L

Our Website

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

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

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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
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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
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A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
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A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
Luxury home with a spacious driveway and well-maintained landscaping for jumbo loan financing.
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
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Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Construction financing solutions for building your dream home or project. Expert guidance for seamle.
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Construction Financing
Beautiful manufactured home with a welcoming porch and landscaped yard.
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Colorful Victorian-style condominiums with detailed architecture and lush greenery.
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
Healthcare professional loan options for doctors and medical staff. Secure funding to grow your medi.
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Medical Professional Loans
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First Responders | Nurses | Teacher Loans
Affordable community lending options for homebuyers.
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Community Lending
Buydown mortgage rates with temporary payment reductions.
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
Modern two-story house with garage, ideal for bridge loan financing.
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Expanded Income Loans for Home Improvements.
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Expanded Income Loans
Loan options for international clients seeking financial solutions.
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Loans for Foreign Nationals
Home loan options for quick approval and competitive rates.
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
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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Reverse Mortgages
Seller PreLock Program for homeowners to secure home sale options.
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Seller PreLock Program
Preferred Rate Pathway DPA Program interior design.
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Pathway DPA Program
Rhyze HELOC
Secure lock program for home safety and security.
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Secure Lock Program

Refinance With Purpose

Every refinance starts with a goal. Whether you want to lower your payment, shorten your term, or access equity, we’ll build a strategy around
what matters most to you.

Consolidate Debt

Simplify what you owe. Use your home’s equity to combine high-interest debt into one  payment.

Lower Payments

Improve monthly cash flow. Even a small rate adjustment can create  savings over time.

Get Cash Out

Access equity with intention. Turn your home’s value into funds for renovations, education, retirement, or financial goals.

Change to Fixed Rate

Stabilize your payment. Move from a variable rate to predictable payments built for long-term planning.

Refinance VA Loan

Use a VA refinance program to improve your terms, access cash, or reduce your monthly payment.

Discover your home’s value instantly.

Get a personalized home value report powered by real market data. Track equity, explore trends, and stay informed about your property and mortgage loan.

Home loan approval process with competitive rates at Preferred Rate. Secure your mortgage today with.
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We'll watch the market for you

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

Mortgage Loan Calculator

Estimate your monthly payment in seconds.

$400,000

$50k $2M+

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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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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