With over 20 years of experience as a Loan Officer, I’ve built my career on a foundation of strong work ethic, integrity, and an unwavering commitment to delivering exceptional service. Throughout changing markets and evolving guidelines, I’ve remained focused on one thing—helping my clients make confident, informed financial decisions.
I attribute my success to dedication, consistency, and truly listening to the needs of the people I serve. Every client’s situation is unique, and I take pride in developing customized solutions that align with their goals, timeline, and long-term plans.
My approach is centered on communication, transparency, and follow-through. From application to closing, I work diligently to ensure a smooth, efficient process while keeping my clients fully informed every step of the way. For me, it’s not just about closing loans—it’s about building lasting relationships and creating a positive experience that clients can trust and recommend for years to come.
Margaret was great to work with, always readily available for all my questions, and very knowledgeable in all things mortgage.
Luke M
Margaret is the best out there!! She will take care of you. She is on top of everything and will go the extra mile for all of her clients. The absolute best, I would never want to work with anyone else
Maryan S
Margaret was amazing to work with!
Erin M
Very helpful through the whole process
Anthony Grijalva I
Loved the whole experience working with marge thank you for helping me and my family get our home hope you get many blessings and wishes granted
Edmundo G
Margaret was very accommodating and thorough when working with us. She would respond in a timely manner. Very easy to work with. I would recommend 100%.
Jason S
We wanted to buy a house and my real estate agent told me he had a lender. We already had one, but he said she was really good. Well, we tried and never went back to our lender. She was AMAZING!!!!Very knowledgeable and got the job done. If you want the BEST LENDER make sure you call Marge!!!!
Bessie S
Everything was handled professionally and I felt like she was personally working just for us
Julio G
Amazing people to work with, fast and smooth process. Anything questions or concerns we had were handled fast. Kept us in the loop with every next step and what the status or next process was.
Giovanni Y
Marge was a true miracle worker! She was very attentive and knowledgeable and was able to help me get approved for a loan to purchase my first house. She fought for me to get the best deal. I Would highly recommend her and will definitely use her again in the future.
Bianca R
Marge was able to help my family get the house of our dreams and without her help and guidance, it won't have happened. She started as someone I spoke on the phone with to try and get a loan, today, it is my honor to call her a dear friend. Speaking with her, you can instantly tell she cares and will do everything she can to put you in the best scenario to succeed. Preferred Rate Mortgage has a diamond in the rough with Marge. She is absolutely the best!
Jaron L
I can’t say enough positive things about Margaret. I recently contacted her with some questions I had about refinancing my house. At the time, I was going through the process using a big bank and had run into some problems. I just wanted to find out what options that I had at that point.She answered my questions and then asked me some things... She was able to secure a solid refinance with a cash out loan and get it all done in about 3 weeks. It was a very simple process.Contact her if you’re looking for a mortgage...
Stephen E
I can’t say enough positive things about Margaret. It was the second time I’ve worked with her to refinance my house. This time I had already started working with a big bank and had run into some problems from them. I reached out to Marge to get some questions answered. She answered all my questions and wanted to know if she could run my numbers to see if she could get a comparable number... She was able to secure a solid loan with a great interest rate and help me get some cash out to do some him remodeling. She’s the best!
Stephen E
Margaret Dowda is the best!!! Great experience, knowledge and she made the whole process amazing. HIGHLY RECOMMEND!!!
Erik M
Marge was absolutely fantastic. She was available at all times for any of my little questions. She always had clear answers and advice for me as well. This was my first time buying a home, and I really felt that Marge had my best interest. Thank you!
Kelly S
Loan Programs
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
A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program
Featured
Man reviewing mortgage options on his phone in a cozy living room setting.
Conventional Loans
Featured
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
Supporting veterans and families with VA home loan options and resources.
VA Loans
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
Happy couple discussing FHA loan options at home.
FHA Loans
Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Two workers in safety helmets working on a construction site, focusing on woodwork and project progress.
Construction Financing
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders | Nurses | Teacher Loans
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Modern house with landscaped yard and garden.
Expanded Income Loans
A smiling woman using a tablet near a window, representing accessible loan services for foreign nationals.
Loans for Foreign Nationals
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit Loans
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
Seller PreLock Program
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Rhyze HELOC
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.
Beautiful suburban house at sunset, showcasing a cozy home with a well-maintained lawn and welcoming entrance.
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.
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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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?
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.
A contemporary living space with a gray sofa, decorative pillows, hanging pendant lights, and lush green plants, creating a comfortable and stylish en.
