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These guys are absolutely the best mortgage brokers I have ever worked with over the years. They are able to deliver customer service in a way that is hard to find these days. I knew exactly where my loan progress was at all times with there phone app, plus we were able to sign most of the closing documents online. I highly recommend them!

Thank you to the Krakowski team!!! I loved using the app and how everyone was always available to answer my questions 10 stars!!!!

Mike and his team were available every step of the way to help make the funding/closing process as easy for me as possible. Would definitely recommend him to my family and friends, thanks for everything!!

Great and smooth experience very kind and understanding I am sending a couple to him soon as possible. And his team is great also Thanks Michael for helping my dream come true

Professional and fast service. Very nice people. They'll help you and answer any questions quickly. I'm very satisfied and recommend them to anyone looking to buy a house.

The entire team at Preferred Rate is top notch. They earned this review and 5-Stars. They had me closed in 1 month! They know what they are doing, and they answered every question I had, in a way that was easy to understand and without the complicated jargon associated with these contracts. And I had a bunch of questions. All this while I was located 1900 miles away. Michael, Brian and most of all Amber are the “bar” in the industry.

The entire team at Preferred Rate is top notch. They earned this review and 5-Stars. They had me closed in 1 month! They know what they are doing, and they answered every question I had, in a way that was easy to understand and without the complicated jargon associated with these contracts. And i had a bunch of questions. All this while I was located 1900 miles away. Michael, Brian and most of all Amber are the “bar” in the industry.

The entire team at Preferred Rate is top notch. They earned this review and 5-Stars. They had me closed in 1 month! They know what they are doing, and they answered every question I had, in a way that was easy to understand and without the complicated jargon associated with these contracts. And i had a bunch of questions. All this while I was located 1900 miles away. Michael, Brian and most of all Amber are the “bar” in the industry.

Best experience ever in buying my house with your team! Thank you for explaining things to me and helping every step of the way!

Way way excellent service from day one to close!!

Michael and his assistants were professional, knowledgeable, and communicative. Immediate responses and follow up.

Mike Krakowski & his team were great. Fun to work with and got our mortgage completed ahead of schedule with no setbacks. Our 4th experience with Mike and would use them again.

Mike is awesome to work with and he made sure we closed our house on time and also offered the best rates. Highly recommend workinh with him

The team did a great job making sure everything was followed up on and helping with any questions as we prepared for closing on our new home! 

Michael and Amber were incredibly helpful throughout the entire home-buying process. We were especially impressed by their clear communication and the thoughtful way they addressed all of our questions and concerns. We highly recommend Michael and his team!

They worked around the clock to get my deal done. Excellent choice

Mike and his team made our mortgage process a breeze! They were able to help us have a clear to close within 21 days as promised in order for us to purchase our dream home.

We worked with Michael krakowski and he was Amazing. He would get back to me with any questions immediately, and when all the chaos was going on with the tariffs and interest rates were going back up, he called right away to lock in our mortgage. He has a great guy and always looked out for us highly recommend.

Mike is the best!! Mike and his team makes the process stress free and simple. Not only that, they go above and beyond to accommodate their clients and their needs which is hard to find nowadays. I would highly recommend Mike to any and all who wish to have a smooth and drama free home purchase!

Excellent communication. They walked me through at times a stressful process.

Mike came as a referral and was wonderful to with with. He answered all my questions, his team was efficient, and always friendly. Highly recommend!

Excellent experience. Thankfully, Michael Krakowski made the purchase of our house happen in record time. I recommend him 100%.

Excellent experience. Thankfully, Michael Krakowski made the purchase of our house happen in record time. I recommend him 100%.

The Krakowski team was excellent. We had a couple deadlines we had to deal with on top of being first time home buyers not planning on buying a home. This team made everything easy, explained everything, and always offered advise and support when needed. Amazing job by all involved.Thank you Lawrence.

Highly recommended! Mike and his team are there to get you exactly what you need. Their professional, courteous and knowledgeable in all aspects of Morgage loans to fulfill your expectations. So, congratulations You've come to the right place!

I highly recommend Michael at Preferred Rate! I chose him because I felt he was very patient and transparent with me when I was shopping lenders. He also took the time to explain everything to me in the detail that I wanted. His customer service skills are top notch. Any time I had a question for him, he would always call, text, or email me back with the answer very quickly. All of the others I worked with at Preferred Rate were very kind and helpful as well. You won't regret choosing Michael at Preferred Rate. I will be recommending him to family and friends in the future.

Mike was super responsive and didn't seem to have any issue helping to answer any and all questions we had. 

Excellent team. Michael is going to work with you, showing you all possible ways I'm so happy with the work he has done for me. Fully recommend.

I recently had the pleasure of working with my loan officer Michael Krakowski at preferred Rate , and I couldn’t be happier! From start to finish, the process was seamless and stress-free. He was incredibly knowledgeable, answering all my questions promptly and thoroughly. The entire team worked diligently to ensure I closed on time, making me feel supported every step of the way. I highly recommend him for anyone looking for exceptional service and competitive rates. Awesome experience !!

Too much paperwork.  Otherwise I would  highly recommend this company 

The entire team did a great job communicating and working with us. Would definitely recommend to use.

We were fortunate to have our loan officer recommended to us, and he absolutely lived up to every expectation! As first-time homebuyers, we had a lot of questions, but he took the time to thoroughly explain the entire process, ensuring we felt confident and informed. He was always available to answer our questions and provided clear guidance every step of the way. What really stood out was his follow-up – he made sure everything went smoothly and that we were on track at each stage. We couldn’t have asked for a better experience, and we highly recommend him to anyone looking for a knowledgeable and reliable loan officer!

We were fortunate to have our loan officer recommended to us, and he absolutely lived up to every expectation! As first-time homebuyers, we had a lot of questions, but he took the time to thoroughly explain the entire process, ensuring we felt confident and informed. He was always available to answer our questions and provided clear guidance every step of the way. What really stood out was his follow-up – he made sure everything went smoothly and that we were on track at each stage. We couldn’t have asked for a better experience, and we highly recommend him to anyone looking for a knowledgeable and reliable loan officer!

We were fortunate to have our loan officer recommended to us, and he absolutely lived up to every expectation! As first-time homebuyers, we had a lot of questions, but he took the time to thoroughly explain the entire process, ensuring we felt confident and informed. He was always available to answer our questions and provided clear guidance every step of the way. What really stood out was his follow-up – he made sure everything went smoothly and that we were on track at each stage. We couldn’t have asked for a better experience, and we highly recommend him to anyone looking for a knowledgeable and reliable loan officer!

Thanks you so much for making my first time home buying experience Mike and Shelby was like Jordan and Pippin and everybody on the team like the Chicago Bulls if I could give 10 stars I would

We could not be happier with our experience with Michael. From start to finish we experienced timely and responsive communication and answers to our questions. We look forward to enlisting Michael again in the future for any of our lending needs!

This is just our second closing of a lifetime- the last being 1991 and this closing was simple, smooth, and amazingly easy.Michael was great and was open to any questions throughout. He was totally prepared.

It is nice to be treated like you are Mike's only customer. From start to finish, I was made aware of exactly what was going on. When I dialed his number, or texted, there was an almost immediate response. Customer service is not a thing of the past when dealing with Mike and company. I highly recommend them for your mortgage needs.

The Kratowski group made the ENTIRE process of buying my house so smooth!! I appreciate their hard work

Mike and his team were very responsive and honest throughout the whole buying process from start to finish. He also gave me a grant to save on closing costs. I felt like he had my best interests and that’s why I would recommend him.

Mike and his team were very honest about my price point from the first time I talked to them.  They were also able to save me money at closing with a grant.  They were very responsive and I felt like a valued customer.  I feel like I got a fantastic deal, and was pleasantly surprised at how well things went as a first time homebuyer.  

Mike and his team are truly incredible! We got into our first house thanks to Mike. Everything went very smooth and it couldn’t have been a better experience.

Mike was super helpful, patient, and kind throughout everything. As first-time home buyers, we really appreciated his efforts in ensuring that we fully understood every aspect of the process. I recommend Mike and his team to anyone buying a new home!

I cannot express how grateful I am for all of Mike's guidance throughout the home buying process. Mike was able to resolve any issue we came across and made everything clear and easy. We are so happy with our new home! Thank you Mike.

Mike was super helpful, patient, and kind throughout everything. As first-time home buyers, we really appreciated his efforts in ensuring that we fully understood every aspect of the process. I recommend Mike and his team to anyone buying a new home!

They made the process easy and made sure to explain every step. Would definitely use their services in the future.

Michael and his team were outstanding. Stayed on top of every detail along the way. Would highly recommend them. Very helpful. Excellent service!

Michael and his team are consummate professionals. Through my two year long journey to find a home for my family. They’ve been by my side the whole time. They've put their personal life’s to the side to be there for me when I needed them most. I’m a combat veteran and a first responder. I can’t say enough about how they treat the military community and first responders. They made the whole process feel seamless and effortless. I can’t thank them enough for all the hard work and long hours it took for them to allow my family to live in their forever home. Thank you for making my family’s dream come true. Semper Fi.

Michael and his team are consummate professionals. Through my two year long journey to find a home for my family. They’ve been by my side the whole time. They've put their personal life’s to the side to be there for me when I needed them most. I’m a combat veteran and a first responder. I can’t say enough about how they treat the military community and first responders. They made the whole process feel seamless and effortless. I can’t thank them enough for all the hard work and long hours it took for them to allow my family to live in their forever home. Thank you for making my family’s dream come true. Semper Fi.

great experience. very efficient and careful eye on all the details. very responsive.

Absolutely wonderful to work with! They made everything happen quickly with our closing happening fast. Definitely would love to work with them again in the future. Thank you for making this happen!

Michael was very helpful with the process of purchasing a home highly recommend 10/10.

Mike is trustworthy and communicative. Amazing service, thanks Mike!!!

Corey and team were very communicative, transparent & guided me through every step of the way when I needed help.Got me a good deal on my home loan.Highly recommended!

Great experience as first time home buyer! Answered all my questions, completed loan quickly, and I’m grateful I used Mike and APM!

Very good experience with Michal K. And his team. They were very attentive and answered any questioners we had. I highly recommend them!

Michael and his team were amazing and very helpful throughout the whole buying process. Mike really helps you to understand and pick the best option for loans and grants for your financial situation, whatever it may be. His whole team was very patient and accommodating. Very down to earth team and very easy to work with. Highly recommend!!

Mike helped me purchase my first home. I can't thank him enough for his help and the knowledge he shared. I highly recommend Mike and his team and will be referring him to everyone I know moving forward.-Fred

From the beginning they were very attentive, clear and precise.They work very professionally and fastThey always answered my questions and calls as quickly as possible.

My wife and I needed to close fast on a new home to bring home our newborn. Mike and his team were fast and efficient. I highly recommend his team!!!

Michael was very attentive, communication was great, and made home buying process as easy as possible. He explained everything thoroughly and whenever we had concerns, he addressed them. Glad he was referred to us 🙂

Great team to work with This was my first time buying a house on myOwn they took the time to explain everything to me and didn’t treat meLike I was stupid. The process was seamless

Hands down easiest experience ever! Walked me right through everything and Basically did most of the work for me.

Had an excellent experience working with Mike / Preferred Rate Team. They made everything seamless and easy. Will certainly use them again!

Mike was great to work with! His team was quick to respond and easy to understand. Thanks!

Mike and his team were beyond phenomenal!! Everyone was so helpful in answering any questions we had as first time homebuyers and were just available throughout the entire process to give us information and help us along the way. 100/10 would recommend!!!

Loved working with Michael, he is on top of things all the and available for call all the time. Very helpful and will definitely recommend to Friends in need of morgage.

Michael is one of a kind. He really help me with my loan from begging to end. He has a good team that will follow up with what ever you needed for your loan.

Very trusting and loyal. Easy to talk to helped all the way through the process. I would definitely recommend Micheal

Mike and his team made the process incredibly fast and easy! They had an online portal (and app) that gave my wife and I the ability to track our loan approval progress through every step. Highly recommend!

Great to work with this company.

Mike was very helpful throughout the whole process, flexible, easy to reach, and helped me save money. Thanks for everything!

Mike was very helpful and patient with me during the home buying process. Very easy going, simplified things for me and helped me get a lower rate, I recommend him to anyone else looking to close on a loan.

Greatly appreciated my experience with the team at Preferred Rate Mortgage these past few weeks while closing on my new home. Very organized, proficient and timely services. Michael K was able to make me aware of an opportunity to further improve my mortgage package and cost to close which I was not previously aware of. Substantially improved my closing financials and 30 year rate. The team was instrumental in pulling off a very quick closing schedule! Thank you much!

Mike was great. Explains each step, calms aniexty, it was 19 years since we purchased property and a lot changed, and Mike and his whole team guided us through!

Mike was great to work with, very knowledgeable, helped me to deal with stress by explaining everything & guiding step by step through the home buying process. I highly recommend Mike to everyone!

Had a short closing window and did a great job with follow up and making it happen.

I highly recommend Mr. Krakowski and his team. They provided help throughout the entire process. All questions were answered in a timely fashion. Besides being a great team to work with, they are all great people as well. You can clearly tell that they care about you and they put you as the number one priority!

Michael was helpful beyond what I expected. He’s on top of his game! Highly recommend him and preferred rate

Mike and his team were excellent! Always made sure any question I asked was explained in great detail, plus some added knowledge I did not know during my first home purchase. Would definitely recommend his service! Thanks Mike! Catch you at the house warming party :)

Michael's team at Preferred Rate make the process of buying a house seamless. His staff is in constant communication with you and each other to really make the experience painless and stress free. Highly recommend calling Michael and his team. I've had the pleasure of working with him for 3 transactions now and I can't find a reason not to keep working with him on my next one.

Michael and his team were very helpful throughout the process of purchasing our home! Super responsive and timely with everything.

Great working with Mike!

Mike & his group were always quick to answer any questions we had and explained things in a way we could understand. They were all very friendly and very good at their jobs. We felt comfortable with using them during our first home buying experience. We will use them again in the future if needed!

Michael and his team were absolutely phenomenal! Watching out for me every step of the way to ensure I was taken care of and stayed on top of the mountains of paperwork that needed to be signed/taken care of. And additionally securing me the best possible rate and finding me forgivable programs to save me huge costs in the long run ranging from closing to allowing me to refinance soon after. Extremely thankful to Michael and everyone on his team making the experience not only smooth but way more affordable than we had anticipated!

Mike was there for us for all the good and bad times of selling and purchasing a new home. He answered all of my late night texts and calls and walked me through every step of the loan process. He is very knowledgeable and will treat you like family. Highly recommend his services!

Just got my house and they are amazing.

Michael's team was exceptional and supported me every step of the way up untill closing. Highly recommended.

Michael's team was exceptional and supported me every step of the way up untill closing. Highly recommended.

Great service. Full transparency, quick service and provided best interest rate that was better than my own credit union. The team was very quick in answering any of my questions and explained it in very detailed way.

Wonderful experience, a lot of assistance and advice from start to finish. I highly recommend.

I absolutely enjoyed working with Michael and his team. He was very knowledgeable and took the time to explain everything and answer every question I had. I could say the same for the members of his team. They were super prepared and on top of every detail. Not only did I enjoy working with Michael, but so did all other parties involved in our transaction!

I absolutely enjoyed working with Michael and his team. He was very knowledgeable and took the time to explain everything and answer every question I had. I could say the same for the members of his team. They were super prepared and on top of every detail. Not only did I enjoy working with Michael, but so did all other parties involved in our transaction!

Wonderful experience, a lot of assistance and advice from start to finish. I highly recommend.

I absolutely enjoyed working with Michael and his team. He was very knowledgeable and took the time to explain everything and answer every question I had. I could say the same for the members of his team. They were super prepared and on top of every detail. Not only did I enjoy working with Michael, but so did all other parties involved in our transaction!

Mike and his team always get it done! Highly recommend for all your lending needs!!!

Mike and his team are the best! I worked with him on my first purchase and also recommend him to all my clients whenever possible. He is incredibly knowledgeable and has a powerhouse of a team to back him up. Always a smooth transaction!

Micheal provided phenomenal service as our mortgage broker.Michael provided thorough explanations regarding all the options we had to finance the purchase of our home.Michael also did a phenomenal job of helping us to understand the differences between our FICO scores vs credit bureau scoring.Michael genuinely cares about his clients and is totally transparent regarding roadblocks you'll incur and ensuring that you thoroughly understand not only your available options but the mortgage process as a whole.Michael and his team were always available to answer our questions.5 stars to you and your team Michael!!

Being a 1st time homebuyer, I didn’t know what to expect or steps to take. Every question and situation I asked about was answered and explained to me with complete patience full understanding. No matter what time or how many times I reached out it was always returned in a timely fashion. Felt like family. I would recommend 100%

Mike and his team were amazing to work with. I was referred to Mike by family who have alreafy referred him highly to many people that have also used him. He worked with me and made the process go quick and painless!!! Mike should be your first call!!!

Michael and Amber and his entire team were such a pleasure to work with! They explain everything to you in detail as many times as you need them to, which was perfect for me lol. I had a really Great experience working with them, and am Happy to recommend them to everyone I know.

Michael Krakowski and his group were amazing, they were able to make my wife and I feel like we were the most important clients he had. Gave us so much reassurance, especially for being first time home buyers. We had switched over to him and his group very last minute but we are glad we did and he was able to get my wife and I into a house very quickly and close in four weeks from inspection day. I would recommend his group to anyone who is looking for someone to make their home buying experience more comforting.

We’ve worked with Mike and his team several times, they make the mortgage process as streamlined and stress free as possible. They are truly amazing and will be there for you in every step of the process… from getting prequalified all the way through checking in on how you are enjoying your new home. A huge shout out to Alan as well, he’s always on top of everything and helps figure out any issues that pop up right away!!

Attention to detail was amazing.

Questions answered every step of the way!

Mike was very easy to work with, answered all my questions in a timely manner.

Mike is awesome. Very knowledgeable and great with communicating and explaining each step along the way.

We closed in 2 1/2 weeks! Mike and his team were fast and so helpful throughout the entire process!

Mike and the entire team were very helpful during our recent refinance. He's especially helpful with answering questions and walking you through the process if it's your first time. Mike is responsive and trustworthy and I'd recommend him!

Great to work with! Thank you!

Michael and team helped my husband and I refinance. The process was extremely smooth. Michael, Amber, and Nikki were very helpful, nice, and professional. I highly recommend Michael and team. We will continue to use them for all of our future needs and will recommend them to anyone else in need of their services!

Michael and team helped my husband and I refinance. The process was extremely smooth. Michael, Amber, and Nikki were very helpful, nice, and professional. I highly recommend Michael and team. We will continue to use them for all of our future needs and will recommend them to anyone else in need of their services!

Michael and team helped my husband and I refinance. The process was extremely smooth. Michael, Amber, and Nikki were very helpful, nice, and professional. I highly recommend Michael and team. We will continue to use them for all of our future needs and will recommend them to anyone else in need of their services!

I cannot thank Michael enough for all of his help throughout my process of buying a home. Michael was extremely helpful. He was always available to me with any questions I had. He was able to expedite my loan process to ensure it was ready for a quick close.I highly recommend Michael!

We want to express our sincere appreciation to Mike Krakowski and his amazing lender team for all their hard work during our loan process. They were responsive, organized, and incredibly supportive from pre-approval to closing. Mike always took the time to explain things thoroughly and made sure we stayed on track.A big thank-you as well to Tom Pubins, our realtor, for introducing us to Mike. Together, they created such a smooth and positive home-buying experience for us.

Corey, Michael & Amber were a wonderful to work with — they were extremely responsive & made the entire process enjoyable for us. Thank you for helping us purchase our dream home!

Michael clearly explained what each document was and why I was signing it for my closing! My closing went smoothly and I appreciated his time.

Huge shot outs for Michael and his team they are the best I trust them they rocked it !!!

Michael and his team made the home buying process simplified and were quick to answer and resolve any issues along the way. We were able to close on the home by the original target date even with extra steps involved in my particular situation. Very thankful for them!