Your   homeownership journey starts here

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

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: #654007

Michelle Nimoh

Mortgage Advisor

I’ve been in the mortgage industry for 14 years, specializing in retail lending since 2008. My approach is proactive, clear, and relationship-driven, and I thrive on helping clients navigate all types of scenarios—no matter their credit score or income.

Over the years, I’ve had the privilege of working with clients from all walks of life, guiding them through their first home purchase, second, and even third. Many of my clients become lifelong friends, staying in touch long after closing, and I often hear that my responsiveness and personal approach are what make the process feel effortless.

I’m not here to sell; I’m here to advise. My focus is on integrity, helping clients make the best decisions for their financial future, and ultimately elevating their lives as a whole. There’s nothing more fulfilling than seeing someone move into a home that’s right for them.

Outside of work, I’m a proud mom of three amazing kids (ages 4, 11, and 12), a lover of travel and live music, and the president of my children’s school PTO board. I approach life with positivity and a steadfast belief that everything will work out.

 

Licensed in:

AZ

Specialties:

First-time Homebuyer

VA Loans

DSCR Loans

Down Payments Assistance Programs

Lending Specialties

First-time Homebuyer

VA Loans

DSCR Loans

Down Payments Assistance Programs

Why work with me?

300+

Families helped

20 Days

Average close time

12 years

Of experience

Real clients. Real results.

Turned an experience that could have been very daunting into something that was enjoyable and exciting!

Emma W

Our Website

Chris and his team made the process seamless and offered support from start to finish.

Jessica H

Our Website

Team Psaraselis helped my husband and I purchase our first home and we can’t recommend them enough! Sean, Brian Erika all went above and beyond. As first-time homebuyers, we expected the mortgage process to be overwhelming, but they made it so much easier than we ever imagined. They were always available, even nights and weekends to answer our million questions. They walked us through every step, kept us informed, and made the whole process feel smooth from beginning to end. We’re so grateful for all of their help!

Hiwot Z

Google

Michael and the entire APM team were great to work with. Communicated was outstanding every step of the process.

Jeff L

Google

David was a pleasure to work with. He went above and beyond to ensure the process was handled properly. Very professional.

David S

Our Website

As a first time buyer, I had no idea what to expect when starting the process for buying a home. Choosing Ben to handle our loan was a no brainer after many recommendations and past experiences I’ve heard of. He was so helpful and truly made this process a dream. Buying a house is very stressful - especially making sure we were getting a good rate and monthly payment. He exceeded our expectations and went above and beyond from our first phone call to the time we got our keys! We are so grateful for this experience as first time home buyers. Just know, without a doubt, your experience with Ben will be nothing but the best!

Kalin T

Our Website

Thanks to their dedication, we closed on our dream condo with zero stress.

FerLeti G

Google

Nicole and her team are the most patient and thorough team. They are very professional and will get the job done.

Crystal B

Our Website

Best house buying experience, thank you Julie!

Kelly O

Our Website

Loan Programs

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

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

Refinance Loan
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
USDA loan approval process for rural home financing.
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
FHA loan approval process with Preferred Rate for homebuyers.
Happy couple discussing FHA loan options at home.
FHA 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
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
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
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
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
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
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
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
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
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
Affordable community lending options for homebuyers.
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
Buydown mortgage rates with temporary payment reductions.
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
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
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
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
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
Senior couple exploring reverse mortgage options on laptop.
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
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
Preferred Rate Pathway DPA Program interior design.
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Rhyze HELOC
Secure lock program for home safety and security.
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.

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 Loan Calculator

Estimate your monthly payment in seconds.

$400,000

$50k $2M+

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Principal & Interest Mortgge Loan
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Property Tax Estimated
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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.

Couldn’t find your answer?

info@preferredrate.com

Couldn’t find your answer?

info@preferredrate.com

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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