Your   homeownership journey starts here

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

Logo of Preferred Rate, a financial service provider for mortgage and loan solutions.
Preferred Rate's logo representing trusted mortgage and loan services for homebuyers.
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: #959006

Paul Richard Gaston Jr.

Sr. Mortgage Advisor

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing. I can help.

Licensed in:

IL

Why work with me?

5.0/5 Rating

35 reviews

Real clients. Real results.

Paul proved to be excellent throughout the home buying process, ensuring a seamless experience. His dedication to addressing every question, even if repeated, and consistent check-ins demonstrated his commitment. I highly recommend Paul for making the entire home buying journey easy and understandable.

Ashley S

Paul proved to be excellent throughout the home buying process, ensuring a seamless experience. His dedication to addressing every question, even if repeated, and consistent check-ins demonstrated his commitment. I highly recommend Paul for making the entire home buying journey easy and understandable.

Ashley S

Paul was wonderful! He made the home buying process very stress free.

FELICEIA H

Paul was a great help would suggest him to everyone I know !

James T

Paul was a great help and answered all our questions ! Would and will have him help us on our future homes!paul had great communication throughout the entire process

jamestriolo

Regarding Paul Gaston and his Service. Paul did an Excellent job. Very professional, knowledgeable and personable. I would highly recommend him.

Timothy C

Very smoothly and effective, especially the closer we got to closing. I totally would recommend Paul for anyone in my family or circle of friends.

Porfirio H

Paul is great to work with, very responsive, knowledgeable and on top of the mortgage process. Thank you for a smooth closing!

Lisa P

Paul made my experience extremely easy, he was very helpful and knowledgeable. I would definitely recommend and refer to others.

Lakecia T

Paul Gaston was very professional, informative and helpful during the entire process.

Timothy C

Great person to work with every step of the way. Thank you Paul for all your help. You know your job well. We would recommend you to all we know.

Brian G

My loan officer Paul was very patient , and very knowledgeable. He explained everything to me as the process went along . Good communication until the end and made sure everything was perfect even after the loan was closed and funded . I will recommend him and the company to anyone I know . ?

Tina R

Organized, Timely, responsive. Paul did a great job regarding the entire process. I will refer both Paul and the company whenever possible.

Timothy C

Paul was great to work with

Janell S

Paul was diligently working on my case. He answered all my questions and return phone calls almost immediately he helped me closed on my mortgage promptly. I appreciate Paul and his verse knowledge and closing the deal. I will highly recommend him to my friends.

Blanca S

A Stellar Experience with Paul Gaston - Highly Recommend!  Working with Paul Gaston was an exceptional experience from start to finish. Purchasing a home is often a journey filled with both excitement and stress, but thanks to Paul, my experience was nothing short of seamless. He was the anchor that kept everything steady, guiding me through every step of the process with professionalism and care. Paul’s commitment to transparency was evident from day one. He provided full disclosure on every detail, ensuring I was always in the loop and making well-informed decisions. His communication skills are top-notch—he was readily available to answer all my questions, even outside of regular office hours, which made me feel truly supported.  The fact that Paul and his team were able to close my deal in just three weeks speaks volumes about their efficiency and dedication. I couldn’t have asked for a smoother or quicker transaction. I’m incredibly grateful for Paul’s expertise and would highly recommend him to anyone in the market for a mortgage. I’m already looking forward to collaborating with him on future projects!

Ken C

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.
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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+

Customize taxes, insurance & HOA

Not required (Down payment ≥ 20%)
Estimated Monthly Payment

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Principal & Interest Mortgge Loan
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Property Tax Estimated
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Home Insurance Estimated
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HOA & PMI Fees
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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?

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Couldn’t find your answer?

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Home Loan Guides
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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