Your   homeownership journey starts here

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

Professional woman with blonde hair smiling in a modern office environment.
Heather Steele, a mortgage specialist at Preferred Rate, provides personalized home financing advice.
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: #347845

Heather Steele

Branch Manager

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.

Licensed in:

TX, CA, GA, and VA

Why work with me?

5.0/5 Rating

25 reviews

Real clients. Real results.

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

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