Sr. Mortgage Advisor

Mary Ann Kosinski

Sr. Mortgage Advisor NMLS# 224305 Licensed in IL

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5.0
(48 reviews)
(630) 788-9700 (847) 625-5555 [email protected]

339 N. Milwaukee Ave.
Libertyville, IL 60048
Branch License Number #1963767

About Mary Ann Kosinski

Your mortgage is personal, and I understand that.

22+ years in the business, I have been committed to providing my clients with the highest quality financial services possible, combined with competitive rates for your area. I will work with you one on one to customize a financial solution that is specifically suited to meet your financial needs.. If you are buying your dream home, refinancing your current loan, or looking to consolidate your debt, I can help you to find the right loan that best suits your needs. Love working with First Time Home Buyers to educate, advise, repair any credit if needed and just get them in the best possible position to be able to purchase. The ultimate goal is to create lasting relationships with each of my clients providing excellent service for many years to come!

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We keep the mortgage process easy

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.

  • Step 1 Connect with a Loan Expert

  • Step 2 Get Pre-Approved

  • Step 3 Make Offers

  • Step 4 Lock in your Preferred Rate

  • Step 5 Move in to your new home

  • Step 1 Connect with a Loan Expert

  • Step 2 Lock in your Preferred Rate

  • Step 3 Get your new loan approved!

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Home Loans

  • Fixed-rate Mortgages
  • Adjustable-rate Mortgages
  • Interest-only Loans
  • Jumbo Loans
  • FHA
  • VA Loans
  • USDA Loans
  • Reverse Mortgages

Speciality Products

  • Keys On Time Program
  • Secure Lock Program
  • Jumbo Investor Loan Programs
  • Peak Loan Program
  • High Balance Solutions
  • Jumbo Solutions
  • Home Ready
  • Home Possible Advantage
  • STaR Program for First-Responders
  • Doctor Program for Medical Professionals
  • Manufactured Housing Loans
Buy a home Refinance

See what Mary's clients have to say

Shon

Great customer-support! Mary Ann was very knowledgeable and passionate about helping me close on my home.

Dec 23, 2025

Sylvia Hamlin T

I truly appreciate everything that Mary Ann Kosinski and Preferred Rate Mortgage did to assist us with purchasing our new home. Mary Ann’s tenacity and professionalism were nothing short of spectacular, and her dedication throughout the process was deeply appreciated. Preferred Rate Mortgage is a wonderful company to work with, and they have outstanding people who will fight and work hard for you every step of the way. Thank you, Mary Ann Kosinski and the Preferred Rate Mortgage team. I would gladly recommend them to anyone looking to purchase a new home. ... Read More

Aug 31, 2025

Aisha D

I had a wonderful experience working with Mary Ann. She is very knowledgeable and professional. Mary Ann answered very question I had during the whole process. I would recommend her to all my friends and family.

Aug 30, 2025

Khalil S

We first worked with Mary Ann in 2020 for our family home purchase, and now again for our investment property. She has been absolutely wonderful to work with both times. Her availability and clear communication made the process smooth and stress-free. Every step was handled with ease, and everything could be done remotely, which was a huge convenience—we could reach her anytime, anywhere. We highly recommend Mary Ann and look forward to continuing to work with her and staying in touch. Thank you sm again Mary Ann!!!!!!!!!!!!!!!! ... Read More

Aug 29, 2025

Joseph M

Mary Ann was professional and helpful through our entire process! Great person to have in your corner. 

Jan 29, 2025

Felicia V

Maryanne is fantastic!! The best Client-centric service, Local area expertise and Problem-solving approach. The educational value was exceptional. I am truly grateful for all her assistance.

Nov 16, 2024

Eileen F

Mary Ann is the ultimate professional! She will do everything possible to help you with your loan. She’s relentless yet the nicest, kindest person you’ll ever know.  We highly recommend Mary Ann and are grateful for her patience with us throughout the process. Definitely 5 stars! ... Read More

Sep 26, 2024

John F

Mary Ann is known as a leader in her field with good reason! She is knowledgeable,personable,strong, most importantly patient! The whole process was overwhelming at times but just knowing that she had my back put me at ease. Thanks Mary ann! ... Read More

Mar 25, 2024

Shaun M

Mary Ann and Michelle are amazing!!! They both did everything they could to get me and my kids into a new house! As a full time single dad of two teens they were able to get me closed and in my new house without even using a relator so if they could help me they can help anyone! ... Read More

Mar 10, 2024

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equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2026 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity. www.apmortgage.com

Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.

This site is not authorized by the New York State Department of Financial Services.  No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

Licensed as Preferred Rate in AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OK, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in NV. AZ BK 0906702. CA #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 164. Licensed under the Oregon Consumer Finance Act. OK MLO13426.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – 555 West Monroe Street, 5th Floor Chicago, IL 60661 | (888) 473-4858

Licensed by the Dept of Financial Protection and Innovation under the CRMLA.

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department." (Source: P.A. 101-657, eff. 3-23-21.)

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV