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NMLS: #2177244
Kevin Lovell
Sr. Mortgage Advisor
Phone number:
With 5 years in the mortgage industry, I help individuals, families, and investors secure smart financing solutions tailored to their long-term goals. I specialize in VA loans, jumbo loans, investment property loans (short-term and long-term), conventional mortgages, and refinance strategies.
I am licensed in both Alabama and Michigan, allowing me to serve clients across multiple markets with personalized, state-specific mortgage expertise.
Whether you’re a first-time homebuyer, a veteran using your VA benefits, or an investor scaling your portfolio, my job is to make the mortgage process clear, strategic, and stress-free.
I chose this industry because homeownership builds stability and long-term wealth. Real estate is one of the most powerful tools for financial freedom, and I’m passionate about helping people leverage it correctly — not just get approved, but make smart financial moves.
Helping clients buy homes they love, refinance to improve their position, or grow wealth through investment properties is more than a transaction to me — it’s impact.
My Mortgage Expertise
Over the last 5 years, I’ve developed strong experience in:
- VA Loans – Helping veterans and active-duty service members maximize their hard-earned benefits
- Jumbo Loans – Structuring financing for high-value properties
- Investment Property Loans – Short-term rental financing, long-term rental properties, and portfolio growth strategies
- Conventional & FHA Loans – Guiding buyers through competitive markets
- Refinance Loans – Rate-and-term refinances and strategic equity use
I take pride in understanding guidelines deeply so my clients have options — not surprises.
My communication style is proactive, direct, and transparent. Clients always know:
- Where they stand
- What comes next
- What documentation is needed
- How their numbers break down
I simplify complex mortgage terms into practical explanations so clients feel confident and in control. I respond quickly, stay accessible, and treat every loan like it’s my own.
My clients often describe me as:
- Responsive and reliable
- Calm under pressure
- Knowledgeable without being pushy
- Detail-oriented
- Someone who makes a complicated process feel simple
- Many referrals come from past clients because they felt informed and supported from application to closing
I don’t treat mortgages like transactions — I treat them like financial strategies.
Before structuring a loan, I focus on:
- Your long-term goals
- Your investment vision (if applicable)
- Your comfort with risk and payment structure
- Future refinance or exit strategies
My goal is to be your mortgage advisor for life, not just your lender for one deal.
The best part of being a mortgage professional is helping people create opportunity — whether that’s buying their first home, refinancing to improve their financial position, or scaling an investment portfolio.
There’s nothing better than seeing someone move into a new chapter with confidence.
Outside of mortgages, I prioritize time with my family and staying present in the moments that matter most. I believe real success is building a business that allows you to be there for your family.
I’m also proud to coach an adaptive hockey team for athletes with lower-body disabilities. Being involved in adaptive sports has been incredibly rewarding — it reinforces the values of resilience, teamwork, and leadership that I bring into my professional life every day.
In addition, I enjoy staying active, following sports, and being involved in my local community. Building relationships — both professionally and personally — is something I genuinely value.
Licensed in:
MI and AL
Specialties:
VA Loans
Investment Property Loans
Jumbo Financing
First-Time Homebuyers
Renovation Loans
Physician Loans
Lending Specialties
VA Loans
Investment Property Loans
Jumbo Financing
First-Time Homebuyers
Renovation Loans
Physician Loans
Contact info
Why work with me?
5.0/5 Rating
2 reviews
75+
Families helped
12.4 Days
Average close time
5 years
Of experience
Real clients. Real results.
Loan Programs
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.


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
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Frequently asked questions
With short and easy to understand answers.
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info@preferredrate.comHow 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?
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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