Your homeownership journey starts here
The mortgage process simplified.
Fast approvals, local experts, trusted results.


NMLS: #654007
Michelle Nimoh
Mortgage Advisor
Phone number:
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
Contact info
Why work with me?
300+
Families helped
20 Days
Average close time
12 years
Of experience
Real clients. Real results.
Loan Programs
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.


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
Customize taxes, insurance & HOA
$0
Frequently asked questions
With short and easy to understand answers.
Couldn’t find your answer?
info@preferredrate.comHow 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.
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.
Couldn’t find your answer?
info@preferredrate.comReady to take the 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






































