Your   homeownership journey starts here

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

Professional man in suit smiling, representing Preferred Rate services.
Rob Cole, a trusted financial advisor at Preferred Rate, offers expert mortgage and loan solutions.
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A group of four friends celebrating a beach wedding, with surfboards and tropical decor on the sandy shore at sunset.

NMLS: #1141393

Rob Cole

Regional VP of Loan Origination

How? We provide clients with the best and most personable mortgage experience available while helping them achieve their dreams of homeownership. I understand that constant communication is key to a high trust relationship. My passion for the industry and dedication to each individual client will help you make an educated decision on a loan program that caters to your financial situation and needs.

I have over a decade of experience in the mortgage industry, and we are a team that is here to serve you! When you work with us, we guarantee that you will be included in all aspects and every decision of the loan process. Put your faith in a loan officer that you can trust with your transaction. Feel at ease throughout every step of the process and never worry about missing your closing date. We promise to make your loan process easy! We are the best value in home mortgage lending!

We couple our drive for excellent customer service with expert market expertise, attention to detail, and superior negotiating skills to offer you a first-class experience.
With an extensive background in the mortgage industry and understanding the nuances of the mortgage loan business, we use the latest in web technology to provide the most up-to-date tools available to you.

Don’t hassle with other companies that overpromise and underdeliver.

Licensed in:

OK, CA, KS and TX

Specialties:

VA Home Loans

First-Time Homebuyers

Self-Employed Borrowers

FHA Loans

Conventional Loans

USDA Rural Home Loans

DSCR & Bankstatment Loans

Lending Specialties

VA Home Loans

First-Time Homebuyers

Self-Employed Borrowers

FHA Loans

Conventional Loans

USDA Rural Home Loans

DSCR & Bankstatment Loans

Why work with me?

5.0/5 Rating

127 reviews

1000+

Families helped

21 days

Average close time

10+ years

Of experience

Real clients. Real results.

Rob Thank you for helping me get a zero down payment FHA loan and OHFA down payment assistance. Closing on the house today was easy with you. You Rock at what you do! Working with you was a pleasure. Thanks again

Misty K

Rob did an amazing job! He was there for every question and concern. Responding our many questions quickly whether we asked day or night. We appreciate all your work Rob! You are outstanding at what you do and we will certainly refer you to others.

Stephanie W

Rob and his team were very helpful and kind with each step and each question. Online availability of documents and signatures expedited the process. Uploading documents was fast and easy.

Raymond V

Rob was great to work with from start to finish. He was highly involved throughout the process and consistently on top of following up with everyone involved in the transaction. Our buyers quickly became big fans of Rob; every time I spoke with them, they couldn’t stop singing his praises.

Khondaker

Rob and his crew were great to work with. I have recommended him to friends and family and will use him again in the future.

Tyson S

We were guided from beginning to end if purchasing journey with the best care and knowledge.

Robin D

Very helpful the entire way 10/10

Everardo O

Rob helped me in so many ways! He made this process easy and simple honestly! I would recommend him highly!

Jessica B

Rob was very knowledgeable & great with communication! He got us through some difficult challenges. I’ll def refer more clients to him.

Andrea D

Rob Cole did a great job helping us from beginning to the end. He started helping us even before we could apply for loan to help us better understand what was needed in order to get our dream home. He was straightforward and detail oriented. I’m glad he was our mortgage guy and would recommend him to our family and friends.

Jason M

Rob Cole promised a smooth painless transition in the purchase of a new home in Oklahoma. After being, born and raised, educated, married raising a family, working, and retiring for 72+ years in the state of Indiana. To me it was a very daunting task. Our grandchildren with our son are very happy and intelligent young adults. We wanted to see and hopefully by the Grace of God experience many a good time with our daughter’s growing family. Rob Cole is a fantastic person and, DELIVERED ON HIS PROMISE‼️🎉

Jay P

You are always an available no matter what time. You also take the stress out of home buying. Have used you before and will always use you should we buy another house.

Monique B

Absolutely the best experience we have had! Would highly recommend to anyone going through the process! So quick and simple and rob is by far the best! Day or night weekend or just a regular Tuesday he was always there to answer any questions!

Whitney L

Rob went above and beyond for us to insure we got the loan! Made the difficult process go as smooth as possible for us until the very end! Truly appreciate everything he did for us and will recommend him to anyone I know looking to buy a house.

Cassondra M

Rob was extremely knowledgeable and patient with lots of questions as a first time homebuyer. Highly recommend!

Sierra C

Rob and his team are very knowledgeable and easy to work with.

Jason T

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

$0

Principal & Interest Mortgge Loan
$0
Property Tax Estimated
$0
Home Insurance Estimated
$0
HOA & PMI Fees
$0
Apply now
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?

[email protected]

Couldn’t find your answer?

[email protected]

Home Loan Guides
& Checklists

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Ready 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