Your   homeownership journey starts here

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

Joe Bandenburg smiling in professional headshot for financial services.
Portrait of Joe Bandenburg, a financial expert at Preferred Rate, showcasing professionalism and trustworthiness.
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: #2458019

Joe Bandenburg

Mortgage Advisor

Hello, my name is Joe Bandenburg. After living in the Kentucky, Indiana, and Ohio tristate for over twenty-five years, it brings me great joy to be working as a mortgage loan officer in my hometown. I know firsthand how daunting the housing market can be to enter, and I’m very glad to help navigate the uncertainties of purchasing your home.

Licensed in:

KY, IN and OH

Why work with me?

5.0/5 Rating

26 reviews

Real clients. Real results.

Great communication, transparency, informative. Very adaptable to circumstances.

Kitkat A

I can’t express enough how easy this process was working with Joe! I know I had to be one of his hardest to get a loan for. I was disorganized not ready for what I was getting into and he told me not to worry and he will get it figured out! That’s exactly what happened!

Cavin W

Joe was always ready to answer my phone call and help or explain any part of the process.Also he bought me a closing gift which was very nice!

John K

Joe was amazing and helped out so much!! Highly recommend

David H

I am not sure I can even put into words how awesome Joe was through the whole process. Very upfront very knowledgeable let you know not just your options but your best options. I trusted him almost immediately very sincere personable you know your getting the best possible deal you can get he really has your best interest at heart and he keeps you up to date throughout the whole process went way faster than I expected I would definitely recommend Joe he definitely knows his stuff and that's extremely important in a constantly changing market Joe and Tim were an awesome pair wouldn't wanted anyone else handling this for me Thank You

kim w

Joe is an incredible guy working with me through the whole home buying process very intelligent really looks out for you getting you the best possible price interest answering any and all questions very thorough keeping you informed of everything through the whole process from start to finish doing business with joe and Tim it was like family they made you feel like the most important client they have each and everytime joe actually got me through the process so quickly and effortless I was so grateful to have worked with him thank you

kim w

Joe Bandenburg made the entire mortgage process so much easier than I expected. He was always available whenever I had questions, and he went above and beyond to make sure I felt comfortable and informed every step of the way. He’s incredibly knowledgeable and explained everything in a way that was easy to understand. If I didn’t get it the first time, he had no problem going over it again. I could tell he really cared about helping me, not just getting the job done. I would 100% recommend Joe to anyone looking for a loan officer who is honest, patient, and truly dedicated to their clients. I will most definitely be going back to him in the future when I’m ready to buy again.

Brandon

Joe Bandenburg made the entire mortgage process so much easier than I expected. He was always available whenever I had questions, and he went above and beyond to make sure I felt comfortable and informed every step of the way. He’s incredibly knowledgeable and explained everything in a way that was easy to understand. If I didn’t get it the first time, he had no problem going over it again. I could tell he really cared about helping me, not just getting the job done. I would 100% recommend Joe to anyone looking for a loan officer who is honest, patient, and truly dedicated to their clients. I’ll definitely be using Joe again in the future if I ever need another mortgage!

Brandon F

Joe did an amazing job and kept me up to date every step of the way! Thank you Joe!

Greg {echo:get_first_letter(O’Brien)}

Joe id an amazing job and kept me up to date on a very regular basis. I highly recommend using him for you home financial needs.

Greg {echo:get_first_letter(O’Brien)}

Our experience with Joe was excellent. He was very prompt and responsive with all of our questions. He showed a lot of compassion and consideration for us as first time home buyers. He and everyone at his office were very professional and I highly recommend their services.

Maddi L

He was really good and understanding at what he does ,he made sure it was what I wanted when I wanted a new house ,I would definitely recommend him to anyone ..

Steven H

Joe was great to work with! He walked us through every step of there way during the purchase of our first home, answered all of my texts quickly, and kept us informed of any updates. 

Olivia S

Joe was great about keeping me informed and checking in. Which made the whole process go very smoothly.

John I

Joe was amazing ! Help me and my boyfriend with everything we needed . I would use him over and over again !

Paige A

Extremely fast. Very professional and thorough. Exceptionally nice. Incredibly knowledgeable.

Neaoma B

Very professional and fantastic. 10/10 would recommend l!

Derek S

Joe was great! I would recommend him to anyone looking to purchase a home. Went above and beyond to get this deal done. Joe was also very responsive, always answering my calls, text, or emails. 5 Stars.

Tara M

Extremely helpful with any questions/concerns I had. Upfront and honest. Made the stressful home buying experience pleasant.

Jacob L

I am not the most digital person when it comes to dealing with the security associated with the many documents that need to be signed. I was glad to have Joe along to guide and to manipulate the many financial aspects of the process. He had knowledge of the process. He was patient when he could and ready to help when the time is an issue. It was a pleasure to work with him throughput the process. Good job, Joe! And thanks.

Larry D

Great people will help you so much. Very very helpful and great guy.

Tony S

Love this guy he was very helpful.

Tony S

It was a joy working with Joe! He had the patience of a saint, very kind, and professional. Joe kept us updated throughout the process. He answered each and every question we had. I highly recommend Joe Bandenburg as your mortgage advisor. James & Nancy Hudson

Nancy H

Joe made this process so painless. And stress free for buying a house. He solved every problem needed and communicated the whole way.

nick k

It was a pleasure working with joe and his team. Joe always answered the phone and answered any questions I had. It made the process less stressful.

Joshua 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

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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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