Your   homeownership journey starts here

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

Professional portrait of Rich Atkinson, financial expert at Preferred Rate.
Rich Atkinson, a trusted financial advisor at Preferred Rate, providing expert guidance on mortgage and loan options.
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: #349607

Rich Atkinson

Branch Manager

Rich Atkinson is the Branch Manager of the Preferred Rate Partnered with American Pacific Mortgage Corp. Rich, with a Bachelors Degree in Business (concentrations in both Accounting and Finance) and over 25 years in the financial services industry, delights in helping his clients with their total financial strategy. Rich’s goal is to be a trusted advisor by educating his clients on strategies including creating and preserving wealth, and utilizing “best in the market” products and tools to make client goals happen!

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Testimonials from Satisfied Realtors and Clients!

* “THANK YOU for making this smooth. I can honestly say you have been my personal BEST experience with outside lenders. And, I have done this for a long, long time.” -M. Brooks, Home Builder’s Realtor

* “OUTSTANDING! Quick close! Terrific!” -Teri O, Coldwell Banker

Licensed in:

CA, FL and TX

Why work with me?

4.9/5 Rating

29 reviews

Real clients. Real results.

Uncle Rich is awesome!! The stuff he can pull is way beyond anyone's imagination. Working with him is so easy and he took us to the finish line without any hiccups

Harman G

Worked with Rich on buying my first home. Couldn't have asked for someone better to go through this process with. Very informative, professional, and efficient. I would work with Rich for every house I look to purchase in the future.

Trevor D

Worked with Rich on buying my first home. Couldn't have asked for someone better to go through this process with. Very informative, professional, and efficient. I would work with Rich for every house I look to purchase in the future.

Trevor D

Rich is the best! We are so happy that Rich was our mortgage broker. We bought our first home in Los Angeles and he was so knowledgable about the entire process —my husband and I couldn't have done it without him. Not only was he great to work with, he got us the best rate and within a tight turnaround. We wanted to be competitive, and chose a 15 day close!

Alicia W

Rich Atkinson is a great loan agent! I recently was the listing agent on a home that one of Rich's borrowers purchased. The sale closed as agreed, right on time. Rich was very professional throughout the transaction and his level of communication/updates was far superior to what I normally see!

John D. Vander M

As always, Rich and his team have helped us - above and beyond! Always grateful of how quickly and efficiently they work with us. I will always feel comfortable in referring clients, friends and family to him! Thanks again for a great transaction!

lmdonofrio

Rich was a pleasure to work with! He had lots of patience for all my questions and helped me navigate my complicated, changing situation. He was not only a lender but an adviser! Thank you Rich. Couldn’t have done it without you!!

Hallie C

As a first time home buyer, I knew I needed someone who is patient and can answer all my questions every step of the way. Rich was easily available over the phone or through text any time of the day to explain different parts of the home buying process, while also being encouraging and personable. I highly recommend Rich and his team!

Dana L

I have bought several homes before and he is the best lender/guide/whatever you might call it because he is well versed in many aspects of the housing life cycle (realtor, lending, finance, and etc…). We will work together in the next several houses for sure!!! It might take a village to close a house but who needs it if you got Rich!

zuwarrior14

Thank you Rick Atkinson and your team for helping us purchase our first home and becoming 1st generation homeowners. We were able to see how much Rich and his team cared for our dream and making the impossible into possible. Excellent communication, profesionalism, dedication, and user friendly application proces. We highly recommend Rich and his team. God bless Rich, his team, and his company.

Julian D

Rich and his team are excellent. He walked me through the process the entire way. It was reassuring to know I was in such competent hands as a first-time home buyer. I could not have done this without his vast knowledge of mortgage lending and the broad portfolio of lending products he made available to me. Simply put, Rich is the best!

Clark A

Rich and his team were fantastic to work with. They provided good communication throughout the process, orchestrated all the documentation we needed to provide, and locked in our rate at just the right time

Steve A

When we were buying a home, having an amazing lender who understood our plan going forward for our future and our children, was very important to us. Rich came through for us and made the buying process for us so smooth. This was our second home purchase and this was an amazingly simple process than the first!! I highly recommend to friends, family, and my local community!! Thank you Rich for helping us !!!

Paizly G

We were going to refinance through our current lender but I thought we could get a better rate. When I reached out to Rich he was able to get us a better rate, a better appraised value, a bigger loan amount and more cash out. Our situation was very complicated and he worked with us every step of the way to get it done. His staff was on top of everything and quick to respond and get things done.

Michelle C

The loan took longer to approve than we thought, but that was mostly due to the Underwriter. Rich and his staff were always professional and the cost was very reasonable. Would definitely use them again.

Kristina K

I was very happy and impressed with the mortgage rate I received for my new home! Your office kept me informed and current in the various stages of the purchase requirements to have the loan funded. You promptly answered any questions and never pushed to make the deal but stressed that everything was my choice to move forward. I'd be happy to recommend you to my family and friends and even to strangers seeking mortgage services.

Susan M L

Very professional, transparent and quick. All staff are nice knowledgeable and friendly as well as professional too!

Lawrence C

Rich was very helpful and was always there to answer any questions. He also helped me every step of the way and made home buying much easier. Highly recommended!

Julian G

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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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.

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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