Your   homeownership journey starts here

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

Young man with curly hair and beard, wearing a white shirt, in a bright office environment.
Professional portrait of Kyle David Fabrizio, representing expertise at Preferred Rate.

NMLS: #2342475

Kyle David Fabrizio

Mortgage Advisor

I have been in the mortgage industry for over 6 years. I got into the mortgage industry when I was in college and it has been amazing. I chose this industry because it combines my enjoyment for problem solving and numbers with my passion for helping people and helping the communities around me. My approach to client communication is simple, open communication where no question is a bad question and we can learn more about each other on a personal level to grow as individuals. I enjoy working with anyone and I specifically enjoy working with first time homebuyers more than anything. Getting to help guide them through the process and make it feel less daunting then it may seem. That plus the rest of my process of being very thorough and proactive, that way we minimize any foreseeable problems during the process. What I love most about this industry is being able to help people in so many ways. Whether that’s buying your first home, buying your dream home, buying investment properties to build your wealth portfolio, or refinancing to payoff debt or make improvements elsewhere.

Licensed in:

AL, AZ, CT, FL, GA, HI, IN, KS, KY, LA, MA, MT, NM, NC, ND, OH, OK, TX, VA, WA, and WV

Specialties:

First-time Homebuyers

Investment Properties

Down Payment Assistance Loans

Lending Specialties

First-time Homebuyers

Investment Properties

Down Payment Assistance Loans

Why work with me?

5.0/5 Rating

5 reviews

30 Days

Average close time

6 years

Of experience

Real clients. Real results.

Our loan officer Kristin Aires was amazingly helpful. As first time home buyers my wife and I had tons of questions and worries but she was always there to help us day or night. I will definitely recommend her and her company to anyone I know who is looking to buy a home in the future.

Lennon B

Our Website

The process was easy and seem less. The entire process was stress free and pleasurable.

Sherry A

Our Website

Becca was on top of everything. She went above and beyond.

Lathan L

Our Website

Working with Claudio and his team is great! They communicate well and answer questions quickly. Claudio always explains each step of the process so you stay informed throughout.

Erica M

Google

The process was a pretty smooth process overall.

Teresa L

Our Website

Jim made the process very easy and smooth. Very knowledgeable. I would recommend to anyone!

Brent D

Google

Sarah is kind, compassionate and extremely detailed when presenting financial information. She’s always willing to help. I am a first time homebuyer and enjoyed my experience with Sarah.

Blanche A

Our Website

Shadia explained things very well and guided us through the process

Josiah M

Our Website

Shadia and her team did an amazing job with helping us secure a loan and providing us with the details needed to stay on budget!

Erik M

Our Website

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.
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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%)
Estimated Monthly Payment

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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.

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next step?

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  • Competitive rates
  • Expert support
  • Easy process