With over two decades of lending expertise, I specialize in guiding everyone from first-time homebuyers to clients navigating divorce and everything in between. Whether it’s your starter home or your next chapter, I bring knowledge, compassion, and results to every loan.
Kept me informed and explained any questions about the process I had.
John C
She did so well in helping us to solve our tax problems and she gave good advise. We are so glad to have Heather.
Ferningga C
Heather was very helpful and informative about the loan process. She has walked us through the process, answered all our queries and made sure that we understood the process. She made sure that we will close at a deal that will benefit us.
Claudine A
Processing was easy and the additional assistance with handling other necessities was a huge plus.
Jay Russel P
I recommend Heather! She is reliable, knows her stuff and smart. Thankful for last minute journey she took care of us and made it happened. Fast processing not like other lender would take a month or more.
Ann Khristine Perez R
Your assistance extended across all areas- and made all the difference. Thank you so much!
Mariane T
Heather is really nice. Very helpful to her clients in every possible way. We had a very convenient mortgage process with her.
Jed Harold A
Heather is wonderful person that helped us on achieving our dream house in an affordable cost for us. She is very patient in all of our queries even we keep on repeating the same questions specially for the first home buyer like us. Thank you so much Heather!
Jayson U
Much better rate! Affable personality and very knowledgeable. So grateful particularly to Heather Steele. I can’t think of a much smoother home buying experience without her.
Frank Riva K
Heather Steele, were really a big help on us to have a very good deal for our loan. We felt that she is always on our side and only wants whats good for us. She explained thoroughly everything. She treated us as part of her family.
Tessa U
Always available during the whole process!
Abigail N
We had a really great experience working with Heather. She is very kind, polite, and easy to talk to, which made the whole process much less stressful for us.She was always patient in answering our questions and took the time to explain things clearly. We truly felt that she wanted to help us and made sure we understood every step along the way.We really appreciate her support and professionalism, and we’re thankful to have worked with someone so helpful and caring. We would gladly recommend her to anyone looking for a lending agent.
Mary Concepcion Ta A
Heather is really a big help. She helped up all the way. She answered our questions promptly. ❤️
Donna Tess D
Amazing work ethic and dedication to the customer.
Mario L
Heather was amazing, she communicated with my husband and I to ensure we had proper documents submitted in time. She provided follow up and walked us through every step and answered all our questions. Definitely an asset in the team.
Carmen L
You are amazing person to help us to get a house for my son and very smooth the process for my VA loan I do really appreciate. Thanks
Amalia B
Heather was a pleasure to work with. Very helpful. Highly recommend!
Michael J
What I love most about Heather is her being so supportive, responsive, very helpful and open to communication. I highly value her warm personality. As a first time homebuyer, I am thankful to have her alongside in this journey—someone who’s patiently spending time explaining all my queries in deep details, not to mention even after her office hours. Her friendly personality makes me feel at ease and builds the trust with no doubt. She went up and beyond to help me choose the loan that would benefit me more financially. Thank you so much, Heather. I truly appreciate you.
Lelyn B
Heather was always ready to assist us with any questions. She helped us feel at ease.
Ana C
Outstanding service! extremely accommodating, responsive, and consistently went above and beyond to ensure everything was handled perfectly.”
Cristhel M
Heather is absolutely amazing. She is very prompt and was always ready to answer my questions. She is highly recommended.
Jane Mar F
Above and beyond
Carse T
We had a great experience working with Heather, She took the time to walk us through different options and helped us weigh options to what budget would realistically fit our mortgage as a homebuyer. She was also incredibly efficient, making everything move quickly while still ensuring we felt confident in our decisions. Overall, she made what could have been a stressful experience feel smooth and straightforward.
Rowena C
We are truly grateful for Heather. As first time home buyers she made the business hassle free, smooth and everything is well taken care of. I appreciate her giving us update time to time throughout the entire process. I would love to make another business with her in the near future.
Shirley Kristine S
There’s no one better than Heather Steele. Amazing experience, amazing person. Got a difficult loan done and made it feel easy. She’s the best in the business.
Anthony W
Heather has been a huge help for me in getting my first ever house and made closing payment so shockingly affordable . As a first time homebuyer, I am glad that she’s there all the way and made everything smooth, all of my questions were answered quickly and I really appreciate her handling my application. I have a very positive experience with the mortgage process overall.
Jo Anne San D
Big thanks to Heather Steele for helping us with our loan from start to finish. She answered every question, guided us through the whole process, and made possible what seemed impossible for us. Very professional, helpful, and supportive. Highly recommended!
Dexter J
Heather made my home buying experience so easy and smooth. So grateful for her and her team!
Mariah H
Heather Steele was amazing! She kept me well informed throughout the entire process. Her and her team were able our dream of purchasing a home a reality. I am so pleased with professional and courteous service that we received. Thank you!
Robert B
My experience with your company and specifically, Heather Steele was nothing less than amazing. The entire process was short and simple. Heather provided constant and accurate communication through each step. Thank you all so much for what you have done for us.I would recommend you to anyone.
Robert B
Heather and the Preferred Rate/APM team has done a great job on processing our housing loan. Will recommend them for sure to our friends and family.
Joy V
I had an outstanding experience working with my loan officer, Heather. From start to finish, she demonstrated incredible patience, professionalism, and dedication. She took the time to answer every question I had, explained each step of the process clearly, and never made me feel rushed or overwhelmed. Heather’s positive attitude and willingness to go the extra mile made what could have been a stressful experience feel manageable and reassuring. Her knowledge, responsiveness, and genuine care gave me confidence throughout the entire loan process. I truly appreciate all of the time, patience, and energy Heather invested in helping me. I highly recommend her to anyone looking for a loan officer who is knowledgeable, compassionate, and committed to providing exceptional service. Thank you, Heather, for making this journey such a positive experience!
Shanice K
Heather is incredibly helpful and supportive. She went above and beyond by helping me find the most affordable homeowners insurance and took the time to answer all of my questions. I truly appreciate her patience, responsiveness, and willingness to assist whenever I needed help.
Grace
We had an outstanding experience working with our lender Heather throughout the home-buying process. From the very beginning, she was knowledgeable, responsive, and genuinely committed to helping us every step of the way. She took the time to explain everything clearly, answered all of our questions promptly, and made what could have been a stressful process feel simple and manageable. Thanks to her professionalism, attention to detail, and excellent communication, we were able to close on our home smoothly and on time without any unexpected issues. We always felt informed and confident because they kept us updated throughout the entire process. We truly appreciate all of the hard work and dedication she put into helping us achieve homeownership. We would highly recommend her to anyone looking for a trustworthy, reliable, and experienced lender. Thank you for making this such a positive and seamless experience, Heather! Wr appreciate all the assistance provided and couldn’t ask for a better lender!
Betha Lyne De G
5 stars is not enough for Heather Steele! From the bottom of our hearts, thank you. She made our family's dream come true to have a house to call our own. She was very helpful, always available, and always ready to listen to all our questions and worries. She explained everything with so much patience and never made us feel rushed. She truly went the extra mile for our family and made our dream a reality. We will forever be grateful for her. We highly recommend her.
Darylle Mei A
In reference to buying a home Heather gave me the best buying experience ever. Very communicative and has a keen eye to her craft!
Christopher I
Highly recommended, very good job thank you for everything
Martha Torres H
Loan Programs
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DSCR Loans (Investment Loans)
Featured
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
Featured
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
Supporting veterans and families with VA home loan options and resources.
VA Loans
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
Happy couple discussing FHA loan options at home.
FHA Loans
Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
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Construction Financing
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders | Nurses | Teacher Loans
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Modern house with landscaped yard and garden.
Expanded Income Loans
A smiling woman using a tablet near a window, representing accessible loan services for foreign nationals.
Loans for Foreign Nationals
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit Loans
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
Seller PreLock Program
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Rhyze HELOC
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.
Beautiful suburban house at sunset, showcasing a cozy home with a well-maintained lawn and welcoming entrance.
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.
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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How fast can I get pre-approved?
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How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
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A contemporary living space with a gray sofa, decorative pillows, hanging pendant lights, and lush green plants, creating a comfortable and stylish en.