Your   homeownership journey starts here

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

Preferred Rate logo and branding for mortgage solutions.
Mary Ann Kosinski with the Preferred Rate logo in the background, showcasing trusted mortgage services.
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: #224305

Mary Ann Kosinski

Sr. Mortgage Advisor

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!

Licensed in:

IL

Why work with me?

5.0/5 Rating

48 reviews

Real clients. Real results.

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.

Sylvia Hamlin T

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.

Aisha D

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!!!!!!!!!!!!!!!!

Khalil S

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

Joseph M

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

Felicia V

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!

Eileen 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!

John F

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!

Shaun M

Beyond grateful for the team I had. They were so helpful and answered any questions I had. They guided me through each step and how to do it. Along with recommendations. I highly recommend and would go through them again!

Kylie O

Mary Ann was amazing! As a first time buyer, everything can be confusing, but Mary Ann made it easy and found the perfect fit for us to be buy a home. If you're looking for someone that can understand your situation and make sure to find the program / loan that will fit just for you, don't look anywhere else, Mary Ann is the right person! Shes highly professional, available, and compassionate. Highly recommend.

Alejandro P

Mary Ann was amazing! As a first time buyer, everything can be confusing, but Mary Ann made it easy and found the perfect fit for us to be buy a home. If you're looking for someone that can understand your situation and make sure to find the program / loan that will fit just for you, don't look anywhere else, Mary Ann is the right person! Shes highly professional, available, and compassionate. Highly recommend.

alejandro p

Mary Ann was a pleasure to work with in my 15+ months of hunting for homes and putting in home offers. I would certainly recommend her to any home buyers!

Zach S

Mary Ann did an awesome helping us in the purchase of our new home. I would highly recommend Mary Ann Kosinski to any to anyone needing help with real estate.

Larone “RONER-Z” H

Mary Ann is a great person she dealt with me with patients and care. I would highly recommend her

tonnette J

Our agent Mary Ann was over the top in every way. She was always available and answered all of our questions .She was extremely professional and very knowledgeable in her profession. We will be recommending her to our family ,friends and co-workers.

Dennis S

Our agent Mary Ann was over the top in every way. She was always available and answered all of our questions .She was extremely professional and very knowledgeable in her profession. We will be recommending her to our family ,friends and co-workers.

Dennis S

Mary Ann was so great to work with. She always kept my wife and I up to date on our loan and explained anything confusing along the way. Would highly recommend!

Adam R

Y’all done a great job with my refinancing ! I’m very happy. Thanks

AISSATOU N

Very helpful and almost always answered my calls or returned them promptly.

Baiyina H

I want to thank Mary Ann and her team for getting the job done!! I was nervous throughout the entire process but they got the job done. Thanks guys for everything!!

Tabitha C

I want to thank Mary Ann and her team for getting the job done!! I was nervous throughout the entire process but they got the job done. Thanks guys for everything!!

Tabitha C

It was a pleasure to work with Mary Ann and her team. Very friendly.

Daniel M

Mary Ann Kosinski was great to work with! She made the process less stressful, her communication was timely, and I felt I was in good hands with her. I definitely would recommend her and would use her again!

Lisa M

They have an amazing team.... they helped me through In one of the most stressful and happiest movements our our lives, there aren’t enough words to describe how incredibly amazing they all are. Every single person I interacted with made my dream a reality! I am so blessed to have found them and had them by my side in buying my first home for my family! Thank you so much

Puppets x plushes yay sml S

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

Shon

Loan Programs

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

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
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
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
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
Buydown mortgage rates with temporary payment reductions.
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
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
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
FHA loan approval process with Preferred Rate for homebuyers.
Happy couple discussing FHA loan options at home.
FHA Loans
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
Affordable community lending options for homebuyers.
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
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
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
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
Senior couple exploring reverse mortgage options on laptop.
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
USDA loan approval process for rural home financing.
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA 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
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
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

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
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
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
Preferred Rate Pathway DPA Program interior design.
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Secure lock program for home safety and security.
Beautiful blue house featuring a secure lock program for enhanced home safety.
Secure Lock Program
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

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.

Home loan approval process with competitive rates at Preferred Rate. Secure your mortgage today with.
Beautiful suburban house at sunset, showcasing a cozy home with a well-maintained lawn and welcoming entrance.
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 Calculator

Estimate your monthly payment in seconds.

$400,000

$50k $2M+

Customize taxes, insurance & HOA

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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Home Loan Guides
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next step?

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

  • Competitive rates
  • Expert support
  • Easy process