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


NMLS: #1068748
Patrick Kirk
Mortgage Advisor
Phone number:
As a dedicated Mortgage Loan Officer since 2004, I have spent more than two decades helping individuals and families achieve the dream of homeownership while providing personalized financing solutions tailored to their unique goals. Whether working with first-time homebuyers, experienced homeowners, or real estate investors, I am committed to making the mortgage process as smooth, transparent, and stress-free as possible.
I believe that every client deserves honest guidance, clear communication, and exceptional service from application to closing. By staying current on market trends and loan programs, I am able to help clients navigate their options and find the financing solution that best fits their needs.
Building lasting relationships is at the heart of my business. Many of my clients return for future financing needs and refer their family and friends because they know they can count on knowledgeable advice, integrity, and a commitment to putting their best interests first.
Whether you’re purchasing your first home, refinancing an existing mortgage, or expanding your real estate portfolio, I look forward to helping you achieve your financial and homeownership goals.
Licensed in:
Texas
Contact info
Why work with me?
30 days
Average close time
20 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






































