Your   homeownership journey starts here

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

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.
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: #356384

Isabel Briones

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 and WI

Why work with me?

5.0/5 Rating

100 reviews

Real clients. Real results.

Isabel is a very knowledgeable person; she provides the best advice based on the current status of the loan. Even though we encountered a few hiccups throughout the process, she was able to make it happen. It was a great experience working with her and her team! I would recommend her to anyone.

Liliana G

Your service was amazing!! And it was a pleasure to do our loan process with you guys!!

Adonia C

Great experience, Isabel did a wonderful job, she was available to respond all of our questions  recomendada 100% very helpful.

JOSE E

Quick and easy process 

Max W

Great experience.

Maxwel W

Isabel was very professional as always , this is my second time she's helped us and everything has been a pleasure working with her . She's very thorough and professional, always guided us with her vast experience and expertise ,she made everything easy to understand and work thru the whole process, as easy as can be . It was a daunting task , but eventually thanks for all her support we reached our goal of purchasing our home, we are very grateful and happy with the whole process,. We would highly recommend Isabel and her support cast to anyone who is interested in purchasing any type of real estate , she will be the one to make it al happen, plus she is very kind hearted and good person to have met and work with

Carlos C

Gracias a Isabel por toda su ayuda en mi proceso , es muy profesional, y honesta, explicando cada detalle. Sin duda la recomendaría a familia y amigos.

Carina C

Isabel is very professional and responds fast. Awesome person to work with! Thanks for all your help :)

Jennifer S

Isabel was incredibly helpful through every step of the process. She made it a top priority to answer all of my questions and concerns. I had such a wonderful experience working with her. She's very professional and always answered my calls or was quick to respond / call back. There are not enough words to express how grateful I am to have worked with you. Thank you so much!

Nadiah B

Ella esta a disposición siempre y te ayuda con cualquier duda . Siempre busca la opción que más te favoresca .

Erandy R

I don’t have word to tell Isabe thank you so much for the help. She is more than the super woman , she goes beyond so thankful.

Elvira Meza M

I had an excellent experience with Isabel. She was very kind and very helpful, always answering your questions no matter what. She was there every step of the way, all the way to closing and even after closing. I highly recommend her.

Johny C

Isabel was very helpful! Working late nights. Recommend

V R

To start of thank you for all that you do , but I would like to take some time to APPRECIATE & THANK Isabel Briones for ALL that she did , for all her time and patience , she was so kind , very sweet person , & she took the time to explain to me Everything in detail ! It didn’t matter to her how many times she had to repeat her self until it was real clear to me and she made sure I understand EVERY WORD AND EVERYTHING ! keep up the great work Isabel my parents and I are VERY VERY SATISFIED With all you did for us and again we love everything you do thank you !

Daisy M

Isabel is very knowledgeable and very responsive. She’s willing to answer any question, loved working with her.

Luz T

Isabel was the best! Great communication through the whole process and was always available.

Rosa W

Isabel is an amazing and wonderful loan officer, made the process of buying a home super easy. She is very knowledgeable, highly recommended her.

gabe m

I can’t say enough great things about working with Isabel on my mortgage loan! I 1000% recommend her to anyone going through the process. She has successfully handled several loans for me, as well as for my family and friends. Isabel is not only incredibly knowledgeable, but she genuinely cares about her clients and always puts their best interests first. She takes the time to explain everything, answer every question, and make sure you feel confident every step of the way. I’m truly grateful to have someone I can trust for such an important process. If you’re looking for a loan officer who will go above and beyond for you, Isabel is the one!

Ivan R

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
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HOA & PMI Fees
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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.

Frequently asked
questions

With short and easy to understand answers.

Couldn’t find your answer?

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Couldn’t find your answer?

[email protected]

Home Loan Guides
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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