With over 25 years of experience helping families achieve the dream of homeownership, I specialize in guiding clients through every step of the mortgage process with expertise, care, and personalized solutions. I am passionate about making home buying and refinancing a smooth, stress-free experience, whether you’re a first-time homebuyer, upgrading to your next home, or exploring investment properties.
My extensive knowledge spans a wide range of mortgage products, including FHA, VA, USDA, Conventional, and renovation loans, allowing me to tailor solutions that fit each client’s unique financial goals. Known for exceptional customer service, clear communication, and trusted guidance, I have helped thousands of families turn their homeownership dreams into reality across [City/State].
Whether you’re searching for the best mortgage rates, need guidance on qualifying for a loan, or want expert advice on financing options, I am committed to providing the insights and support you need to make confident decisions.
Melissa was great! She had my back on an ordeal, and saved me a big hassle. Thank you so much!
Crystal A
Melissa was great! Great personality and explained every step, and answered every question I had along the way!
Renea S
Melissa and her team were amazing to work with. We ran into some obstacles, but we overcome them. She always kept us updated and was right there every step of the way.
christine b
Melisa and her team were amazing!
Parker H
⭐️⭐️⭐️⭐️⭐️Melissa is hands down the BEST lender I’ve had the pleasure of working with! 🙌 She goes above and beyond on every file and truly does everything she can to make the process smooth for everyone involved. Always professional, always dedicated—Melissa will forever get a 5-star review from me! 👏🏻
Brittany F
⭐️⭐️⭐️⭐️⭐️Melissa is hands down the BEST lender I’ve had the pleasure of working with! 🙌 She goes above and beyond on every file and truly does everything she can to make the process smooth for everyone involved. Always professional, always dedicated—Melissa will forever get a 5-star review from me! 💯👏
Brittany F
The smartest thing we did during our home purchasing process was choosing Ed Buck! His knowledge and patience with our 100's of questions was second to none. When other lenders wouldn't give us the time of day he rolled up his sleeves and got the job done AND we closed EARLY!! He's got a customer for life!
Melissa was absolutely amazing. The fact that we closed on a vacation home in 3 weeks was absolutely wild! Thank you Melissa for making this dream a reality for us. You were so wonderful to work with!
Amber D
I'm so thankful for Melissa and all her dedication. If it wasn't for her I honestly would of gave up with all the extra road blocks the came up. I don't know how she does it, until now....it's b.c she truly cares about getting you into a place to call home. People like that are hard to come by now a days. I'll recommend her every damn time!
Ryan U
Melissa and her team are awesome. I absolutely love the app feature. It makes tracking the progress of your loan and uploading documents very easy and convenient. All I would suggest is making phone calls when messaging gets confusing. It’s a big process and I’m sure it’s a lot of work. I am thankful.
Kaylee W
Melissa and Tonya went above and beyond to get our loan worked out and were absolutely amazing to us. We're so thankful for all their help!
Ashley S
5 stars! Melissa was wonderful and helped with everything!! We are now first time home owners of 2025 :)
Montana A
Melissa rau is a great lender
Sandra H
Thank you Melissa for all your help with getting back to us in good timing and communication on our purchase of our house!
Lisa C
Mrs. Rau was very accommodating. The loan process is arduous and some aspects were not fully understood however Mrs. Rau made it happen. Looking forward to the our future.
Jeremy M
Just want to thank you for your help and making my familys dreams come true with your great service and communication it was an easy process and i would most definitely recommend seeing what she can do to help you again thank you so much …
David H
Melissa is very good at her job she worked non stop to get the job done for myself and my husband .
Douglas T
Melissa was extremely helpful and kind . She was also very knowledgeable and professional. I very much appreciated working with Melissa. Thank you
William B
I recently had the pleasure of working with Melissa Rau to secure my first home loan, and I can't recommend her services highly enough! As a first-time homebuyer, I was nervous about the entire process, especially since I aimed to close on my home just before Christmas. The team at Preferred Rate was incredibly supportive and knowledgeable, guiding me through every step with patience.From our initial consultation, she took the time to understand my financial situation and goals. Explained the different loan options available to me and helped me choose the one that best suited my needs. Her responsiveness to my questions—no matter how small—made me feel valued and reassured throughout the process.What really impressed me was her dedication to ensuring I could close on my home before the holidays. She worked diligently to expedite the paperwork and communication with the sellers, making what could have been a stressful experience much smoother. Thanks to her hard work, I was able to move into my new home just in time to be home for Christmas!Overall, Melissa made my first home-buying experience memorable and enjoyable. If you're looking for a mortgage lender who truly cares about their clients and goes above and beyond, look no further!
Heather C
Melissa was an absolute gem to work with! She made sure to keep us updated on our loan progress & answered the million questions I had :)
Jami A
Huge thank you to Melissa and her team, they really were so helpful during our crazy home buying adventure. They were there to answer any questions we had and really worked hard to get us in as fast as they possibly could. Thank you so much for all the hard work!
Tim W
Melissa is nice lady. Her communication is decent.Her company she works for, their communication and way of working with their clients is pretty bad. Major lack of communication, unorganized to a certain aspect.LOTS of surprises along the way when trying to purchase my home. I understand things come up, but every day was something new.Title company vs realtor vs lender, all on way different pages. 3rd home I’ve bought and beyond the most stressful process.I understand things happen and come up, but like I said- every day was something new.I appreciate what Melissa did for me and the help she provided but the company overall needs improvement in their organizational aspect and communication aspect up front. Too many costly surprises.Melissa is very nice. Genuinely knows her job. But based on my experience, I wouldn’t use this company again.
Darrell B
Melissa went above and beyond for us to get this loan done! We faced many obstacles that held up the process and she went to the top when things were not accurate. We wouldn't have our beautiful new home if it wasn't for her!
Shelli D
Melissa helped us every step of the way! She also made our first home buyer experience super easy and made sure we had what we needed to have to be set up for success! Thank you so much!
Chris J
She was very efficient, knowledgeable and wonderful at following up on all calls and questions I presented to her. Highly recommended!
Mark A
I just want to give a judge shout out too Melisa Sarah and the team for all there work in making this house a home for me !! Thank you all!!!
Harold B
So much dedication, My lender bent over backwards and did all she could to help us get a house.
Emyt B
Melissa has gotten me approved and closed on 2 different houses at 2 different times. 5 years apart. And she did it working at 2 separate companies. So even though the company she is working for now is excellent; She was even able to get it done at what seemed to be a much smaller company. Which to me speaks to here ability and knowledge in her role as a loan officer. She puts great people around her. Everyone we had to communicate with from her company were really on top of things. 2 houses down; And if there’s another in our future, then Melissa’s our girl.
Marquis J
Melissa has gotten me approved and closed on 2 different houses at 2 different times. 5 years apart. And she did it working at 2 separate companies. So even though the company she is working for now is excellent; She was even able to get it done at what seemed to be a much smaller company. Which to me speaks to here ability and knowledge in her role as a loan officer. She puts great people around her. Everyone we had to communicate with from her company were really on top of things. 2 houses down; And if there’s another in our future, then Melissa’s our girl.
Thawriter
It was a pleasure working with Melissa. She kept me in formed on the loan process and worked very hard to make sure financing went through. Highly recommend Melissa.
Sherry H
It was AMAZING!!!! 🤩
JHOFRAN P
I had the best experience and they where vary helpful to any questions I had and it was a smooth and steady .. Can't thank them all so much
Jenniffer S
Melissa was so helpful through the whole process. She would answer my questions when I had them. She worked hard getting us approved.
Heather H
Melissa is phenomenal and we couldn’t have been blessed with anyone better! She’s kind, helpful, knowledgeable and her expertise truly shows. Having someone that is with you every step of the way makes the process of becoming a homeowner so much easier.
Sara H
Melissa and her team are phenomenal. They will work as hard as they can to close your loan. We've used Melissa for our last 3 mortage and refinancing loans. She always keeps you up to date on the progress of your loan and will help any way she can to get you to where you need to be. I will continue to use her and her team anytime I buy a new home or refinance.
William W
Melissa was amazing she was extremely patient and answered all my questions. As a first time home buyer I couldn't have picked better people to work with!
Courtney G
Was fast easy and their super helpful
Ryan L
Absolutely fabulous.
Kyra M
I was a great experience working with Melissa. She kept me up to date on every step of the home buying process.
Willi K
Just say thank you for all you did to help us.
Paul C
Melissa and her teams dedication and expertise have made the entire process seamless. From handling issues with finesse to being a proactive problem solver, she’s truly exceptional. A big thank you for making my income property buying journey a breeze!
Melissa G
Quick to get us pre-Approved when other leaders could not without extensive information, documents and prepayment on several things. Easy process and closed on our new home quickly.
Paul S
The best ever!
Brady D
Melissa went above and beyond to help us get into our new home. This is the second home we’ve purchased with her help and I would recommend anyone buying a home to contact her.
Leanne A
Great to work with, very helpful with everything
Joshua G
Melissa does what she says she’s going to do she stays in contact and knows how to get stuff done!
Danette C
Brittany did amazing at keeping us informed on what the next step would be and was always right there when we had any questions!!! I definitely recommend her and her team!!!
Bobbi K
Melissa was great and I cannot recommend her enough. The thought of buying a house has always been so overwhelming but with Melissa it was so easy. She was always available for questions and is very knowledgeable.
Jessica H
Melissa and her team are great to work with. From approval to closing only 4 weeks. They communicate what is required of you in a direct professional manner. Always respond promptly to any questions and explain the process very well. Friendly prompt professional service.
Michael B
Absolutely above and beyond. Closed a loan in 11 days... one being a holiday. Otherwise would be 10. Answered all of my questions and saved my loan after it fell apart with another lender. Call her for a home loan or an investment property!
Megan H
I worked with Melissa recently buying my house and she was so great,, so patient. I ask so many questions so often and she answered every single one. She’s very sweet.Melissa explained everything for me, she walked me through every form I needed help with she has the patience of Job. God bless her.
Lucia “Lu” R
Amazing!
Julie L
With all we had going on i have to thank you for patient and working with us. We appreciate you so much Melissa, ❤️
Joanna W
Great work Melissa we love working with her and she do a great job
Antonio W
Melissa and her team were an absolute joy to work with! My situation was a little challenging as I work out of state but Melissa made the transaction incredibly smooth every step of the way. Great rates and very prompt service!
Josh V
You can rest easy knowing your finances are in Mellisa’s hands.
Kyle N
Absolutely went above and beyond. Delivered on every promise and made the impossible,’possible. 100% recommend Missy to everyone.
Amy H
Melissa was great to work with. Made the process simple and streamlined. I’d recommend her to annoy looking for a mortgage.
Joseph D
We have been trying to buy a house for several years. Every lender we used would always have a reason we couldn't qualify. Melissa got me pre-approved fast and her team was amazing to work with from start to finish. She told me exactly what she needed and did not hesitate to help us throughout the entire buying process.
HIGHLY RECOMMEND for anyone looking to get a mortgage! ⭐️⭐️⭐️⭐️⭐️
Sonya L
Loan Programs
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
A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
Supporting veterans and families with VA home loan options and resources.
VA Loans
Two workers in safety helmets working on a construction site, focusing on woodwork and project progress.
Construction Financing
Happy couple discussing FHA loan options at home.
FHA Loans
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders – Nurses – Teacher Loans
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
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
Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit 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
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Beautiful blue house featuring a secure lock program for enhanced home safety.
Secure Lock Program
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.
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?
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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.
A contemporary living space with a gray sofa, decorative pillows, hanging pendant lights, and lush green plants, creating a comfortable and stylish en.