Your   homeownership journey starts here

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

Professional portrait of JP Berruti, business executive in formal suit.
JP Berruti, a distinguished business professional, representing Preferred Rate in a corporate portrait.
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: #221390

JP Berruti

Branch Manager

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, IN and WI

Why work with me?

5.0/5 Rating

29 reviews

Real clients. Real results.

Great experience. Juan did a great job explaining everything throughout the entire process. Highly recommended

Jose P

Great experience. Juan did a great job explaining everything throughout the entire process. Will definitely be doing business with him in the future.

Jose M

Highly recommend Juan Pablo & his team. I have done several transactions including 2 house loans. Juan is always persistent and professional. I have confidently always recommended Juan because I know he will not let people down.Thank you again JP

Manny T

By far the best experience, I went through several people before I met JP and anything that came his way he was not afraid and conquered everything and I couldn’t have asked for a better team

Matteo V

It was a pleasure working with JP, a great professional in his work, an excellent person

Leonel C

I have the pleasure to work with Juan multiple times for house loans. He is very helpful, attentive, and he always looks for what is best for the client regarding your loan. He is actually a person that will help you above and beyond while assisting you with your loan. He does not process loans only for business. He communicates well and answer emails /calls in a timely manner. I recommend Juan Pablo 100%. He will help you the best he can. ( Note: we as clients have to provide all info he needs to be able to process your loan, also a lot of his work relies on customer participation and effort). Thank you Juan for all your HELP. We did it again.

aurora e

Juan Pablo was always willing to explain and guide us through the process. We felt welcome and we would highly recommend.

Saadin S

I had an excellent experience working with Juan Pablo on my home loan.He explained every step clearly, answered all my questions promptly, and made sure I understood my options. The process was much smoother and faster than I expected thanks.

Alberto M

Very helpful, great communication.

Graciela L

My experience with Juan Pablo Berruti was great, he explains everything nicely and in detail and makes sure you understand completely. Doesn't just treat you as a customer but as a friend as well. I would definitely recommend Juan Pablo to anybody, thanks Juan Pablo for everything

Luis O

Lo icieron muy bien

Enrique E

Always a good experience. He is willing to explain anything without rushing you. Goes out of his way to assure your best interests. Keeps great communication and is there throughout the whole process. Don’t hesitate to recommend him, my family has also had the best experience. Thank you Mr. Berruti!

Alexnasser R

Gracias por Siempre ayudarnos de la mejor manera posible!!! 100% recomendado Juan Pablo Berruti..!

Mayra R

Es un profesional. El cuida mis intereses, me guía y aconseja de la mejor manera.

Hilda Luna M

Juan Pablo, was very professional very helpful and fast. Will recommend him. Thank you so much for helping me every step of the way.

Lilia O

Extraordinary person, helped me with good service, excellent communication.

Magda G

Fast responses to my questions. Juan Pablo did an excellent job on updating me on every step of the process. Excellent time frame to close on the loan. Thank you!

Graciela R

Working with Juan Pablo and his team on my home loan was an outstanding experience. They were professional, knowledgeable, and took the time to clearly explain every step of the process. Juan Pablo is personable, trustworthy, and truly cares about his clients. He and his team were responsive, patient, and worked hard to secure a very reasonable loan while making the entire process smooth and transparent from start to finish. I highly recommend Juan Pablo and his team to anyone looking for a lender who is professional, honest, and committed to helping their clients succeed.

Cindy M

Working with Juan Pablo and his team on my home loan was an excellent experience from start to finish. They were extremely professional, knowledgeable, and always took the time to explain every step of the process in a way that was clear and easy to understand. What stood out the most was how personable and trustworthy Juan Pablo was throughout the entire transaction. Purchasing a home can be stressful, but he and his team made the process feel manageable and transparent. They were always responsive, patient with my questions, and genuinely focused on helping me find the best loan option available. Juan Pablo worked hard to secure a very reasonable loan for me and ensured everything moved smoothly all the way through closing. I truly felt that he had my best interests in mind the entire time. I would highly recommend Juan Pablo and his team to anyone looking for a lender who is professional, honest, and committed to helping their clients succeed.

TheCindym1971

The best loan officer Juan Pablo & team. They go above & beyond in assisting with all the home process. Professionalism is their specialty. The number 1 loan company out there is Preferred Rate it's top notch highly recomend.

Jalpa Trucking I

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.
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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+

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Not required (Down payment ≥ 20%)
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Principal & Interest Mortgge Loan
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Property Tax Estimated
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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.

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next step?

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  • Competitive rates
  • Expert support
  • Easy process