Your   homeownership journey starts here

I was in the market to purchase my first home, and a friend of mine recommended Rob O’Malley. He had nothing but great things to say about Rob and his team, so I decided to reach out.From our first conversation, Rob was incredibly helpful. He took the time to walk me through what the home-buying process might look like and shared valuable tips and insights. He also explained the mortgage process in detail, which helped ease a lot of my initial concerns.Rob and the O’Malley Team were amazing throughout the entire journey. They were always on top of everything—responsive, knowledgeable, and supportive. What really stood out to me was how caring and patient Rob was. He never rushed me or made me feel pressured. Instead, he truly listened and made sure I felt confident every step of the way.Even after I purchased my home, the O’Malley Team continued to be available to answer any questions I had. That level of ongoing support meant a lot to me.Rob and his team made me feel like family and helped me accomplish my dream of buying my first home. I’m incredibly grateful for their guidance and support. Thank you, Rob O’Malley and Team!

We were looking for a Manufacturered Home. Rob and his team handled our loan. They were thoughtful and informative. They guided us through the process and always kept us informed. Good people!

Rob and his team at Preferred Rate in Brentwood are amazing. Rob is always available when I reach out and his team also send me regular updates on my Clients and their approval and loan progress. If you're a Realtor or looking for a home loan I highly recommend Rob and his team!

Had a great experience with Rob and his amazing team! Super responsive, easy to work with, and always happy to answer my questions. Rob took the time to explain everything to me including how points work (dont ask me to explain it lol). They made the whole mortgage process way less stressful than I expected. Really appreciated how helpful and on top of things they were. Highly recommend!

Had a great experience with Rob and his amazing team! Super responsive, easy to work with, and always happy to answer my questions. Rob took the time to explain everything to me including how points work (dont ask me to explain it lol). They made the whole mortgage process way less stressful than I expected. Really appreciated how helpful and on top of things they were. Highly recommend!

Had a great experience with Rob and his amazing team! Super responsive, easy to work with, and always happy to answer my questions. Rob took the time to explain everything to me including how points work (dont ask me to explain it lol). They made the whole mortgage process way less stressful than I expected. Really appreciated how helpful and on top of things they were. Highly recommend!

Rob and his team are very kind, professional, and caring, they made sure to secure me the best deal on my new home at a 5.5% interest rate.  The customer service is above and beyond, and they were always there for us, we’re very grateful and we highly recommend them to family and friends. We love you guys, thank you so much.

Thanks to Rob and his team. couldn’t be more grateful for the help we received throughout the process of refinancing our mortgage.They took the time to explain our options in detail, ensuring we understood everything from interest rates to loan terms, and helped us make the best decision for our financial future.If you're considering refinancing, I highly recommend working with this team. Their expertise and personalized service made a potentially overwhelming experience surprisingly simple and rewarding!

Rob O'Malley and the team at Preferred Rate came highly recommended to us, and they made our home buying process incredibly smooth and straightforward. From our first consultation to closing day, they were professional, responsive, and genuinely committed to finding us the best possible rate and terms.The team kept us well-informed throughout the process and handled the paperwork efficiently. Deadlines were met without any last-minute scrambling, and they coordinated well with our realtor and the title company.Rob and John's expertise really showed throughout the process. They both took the time to explain different loan options, helped us understand the numbers, and made sure we felt confident in our decisions. No pressure, just honest guidance that clearly had our best interests in mind.If you're looking for a mortgage team that combines competitive rates with exceptional service, I can't recommend Preferred Rate highly enough. They turned what could have been a complicated process into something manageable and as stress-free as possible. Rob has stayed in touch to make sure we are settling in and have all the information we need for year 1 in our home.Thank you, Rob and the team, for helping Stephen and me get the keys to our new home!

I had a great experience working with Preferred Rate and Rob O'Malley's team during my home buying process. They were super helpful, always quick to respond, and really took the time to explain everything in a way that made sense. Whenever something came up, they handled it quickly and kept me in the loop the whole time. It made the whole process feel way less stressful than I expected.If you're looking for someone who's knowledgeable, responsive, and cares about helping you through the mortgage process, I’d highly recommend Preferred Rate and Rob O'Malley's team.

The best team ever!! They work with my realtor every step of the way to help us get into our home. Very highly recommended!!! They even did weekly check ins.

This team was so great they made sure we stayed confident & motivated from start to finish. They made a lot happen in which we thought were impossible. Thanks again for helping us buy our dream home.

ALL INFORMATION SHARED WAS EXPLAINED EVERY STEP OF THE WAY. IF YOU ARE UNSURE OF THE PROCESS THERE IS NO ONE BETTER THEN ROB AND HIS TEAM. HANDS DOWN. PEGGY WALKED US THRU THE PROCESS AND PROVIDED ALL ANSWERS TO OUR QUESTIONS. WE WERE NOTIFIED DAILY AS WE GOT CLOSER TO CLOSING DATE WITH UPDATES SO WE WERE FULLY UPDATED. I HAVE USED ROB AND HIS TEAM FOR ORIG PURCHASE THEN SEVERAL YEARS LATER REFINANCE AND NOW OUR HELOC. YOU WILL NOT FIND A BETTER TEAM TO WORK WITH!

Thanks Rob O Malley (Preferred Rate) and his whole team for helping me with my mortgage loan on my new home. Rob helped me from start to finish and whenever I have questions Rob and his team was there to help out. With Rob's help I was able to purchase my house in 17 days!!! That is really amazing!!! My real estate agent Kevin Methvin (Prosper Real Estate, also an amazing guy) referred me to Rob and the rest is history. I strongly recommend Rob O Malley for your all mortgage loan needs!!! Thanks Rob!!!

I thought my Lender was really good, until I worked with Rob. He very knowledgeable and explained every detail for me to understand the whole process, and found me a better rate then I expected…

My wife and I recently bought a home and we are so fortunate to have worked with Rob and his team! If you want somebody who will make your home buying process a breeze, then Rob is the man for you. He walked us through the steps, was promptly available to answer any questions or concerns we had and gave us nothing but honest, transparent answers. He makes it a point to PERSONALLY check in with you every week or more as needed which is rare nowadays. We will definitely be recommending his team to all of our friends and family.

Rob, Mark, and their team were great to work with. They were responsive and helped us buy our home quickly and efficiently. John made sure we understood the different types of loans, the benefits of each, and the steps needed to close. They made us feel comfortable throughout the stressful home-buying process. It was a pleasure working with them, and I will recommend them to anyone I know who is buying a home.

Rob O’Malley and the whole Preferred Rate team made my first time buying a home simple, and comfortable. Throughout the whole process everyone was there to help and answer any questions I had along the way. I highly recommend going with them for the best results!

Rob is so helpful and totally took care of me throughout the home buying process. Thanks Rob!

Rob and the team at Preferred Rate did an incredible job. I'm a first time buyer, and they made it so easy for me. Thanks for all the help!

Rob O'Malley and his entire team are extraordinary! My husband and I recently closed on a refinance of our home. Rob explained the entire process, what the rate would be, AND knew that the unused buy-down agreement that we had with our builder would translate into $$ off of our principal balance! Other lenders that I contacted to give me the rate and cost of a refi., never mentioned that benefit. That's because Rob and his team make it their business to study and learn all about any of the benefits their customers might have.From day 1, when Rob called me after I was finished with work, numerous check in's during the process, and a follow up phone call at the end to make sure he and his team truly earned the 5 START rating from my husband and me.If you are looking for a reputable mortgage lender, and want someone you can trust completely, there is NO OTHER place than to contact Rob O'Malley or any member of his team at Preferred Rate.We are 100% satisfied and gladly rate Preferred Rate a 5 Star company you will be grateful you trusted.

Cannot speak more highly of Rob and his great team at Preferred Rate. They made my mortgage refinance a very simple process. Nothing complected at all. Right away they told me the paper work they needed. Constant communication with the team to tells us where we were at. A daily email updates helped as well. I will never go through any other lender again. Thank You Rob and the entire team at Preferred Rate.

Cannot speak more highly of Rob and his great team at Preferred Rate. They made my mortgage refinance a very simple process. Nothing complected at all. Right away they told me the paper work they needed. Constant communication with the team to tells us where we were at. A daily email updates helped as well. I will never go through any other lender again. Thank You Rob and the entire team at Preferred Rate.

Cannot speak more highly of Rob and his great team at Preferred Rate. They made my mortgage refinance a very simple process. Nothing complected at all. Right away they told me the paper work they needed. Constant communication with the team to tells us where we were at. A daily email updates helped as well. I will never go through any other lender again. Thank You Rob and the entire team at Preferred Rate.

 “We recently refinanced our home and took cash out, and Rob O’Mally and his team at Preferred Rate made the entire process incredibly seamless. They kept us updated often, and before we knew it, the cash was in hand. Rob’s team handled our file with care and confidence, and most importantly, they made us feel like family. If you’re looking to get a home loan, refinance, or are a first-time buyer curious about the steps needed to get a loan, I highly recommend reaching out to Rob and his team!” 

Local Realtor here in Brentwood and working with Rob's team is the absolute best. On a loan there isn't a problem they cant solve, 100% recommend anyone trying to buy a home

I would refer these guys to anyone buying a house in the area.  My loan was kind of difficult And was a first time for some of the crew members.  Went with a renovation loan on our first home and at the end of it came out perfect.  These guys are in your corner from day one.  

Rob O’Malley and the Team, Peggy, John and Ashley are a great group. I had been on the market for a new home the past 4 months. With a previous per approval in hand I was all set. My first lender wasn’t responding in a timely manner (12-24 hrs later) so my realtor Joanne Hodge recommended I contact Rob.I did a quick and easy intake call with Peggy who was amazing with answering all my questions. Shortly after Rob contacted me and we were off to the races. The O’Malley Team got me the same pre approval amount and a much lower closing cost because they didn’t have all these additional fees like my previous lender. I was able to save $40k on the closing cost alone.Their knowledge of the market, trends and closing deals put me in a very comfortable place. I didn’t have to worry about anything. I just submitted the requested documents and they handle everything from there.I could on and on but I’m sure I’m reaching the max number of characters here. So I’ll end with this, moving forward I’ll trust no one else to handle my refinancing our future purchases.Thank you Rob and Team!-RD

Rob and his team are some of the best in the business. If you are looking for professional, quick, and Caring people to handle your home loan needs, look no further. O'Malley's team will take care of you and your loved ones in a timely manner with no added salesman pressure.

Rob and his team were so helpful and on top of things. It helped allow us to close in 14 days.

Rob and his team were extremely helpful and giving advises in everey stage during out home purchasing process. Made our journey so much more smooth and easy. Definitely recommend Rob and his team from Preferred Rate!

Rob was excellent to deal with and gave us great recommendations. His follow-up in every step of our transaction was outstanding. His team was equally stellar. We would highly recommend Rob and his team at Preferred Rate.

Rob was outstanding when it came to being helpful. He is diligent and gets the job done!

Kindest, most diligent lending company! A joy to work with and really went the extra mile for me & held my hand through the process as a first time homebuyer and single mom! Thanks guys, you’re the best!

Great team of professionals! Rob is very experienced and knowledgeable and if he doesn't know they answer, he will find it out! I highly recommend them for your lending needs!

Rob defines what you hope you could work with to get a house. I know a lot of people that try to be professional but Rob and his team defines it.My family and I are forever greatful for your time and services… you are a family member and always have a seat at our dinner table.Brian

Rob defines what you hope you could work with to get a house. I know a lot of people that try to be professional but Rob and his team defines it.My family and I are forever greatful for your time and services… you are a family member and always have a seat at our dinner table.Brian

Rob was recommended to us by another family member. And definitely made the right decision in choosing him and his team in handling our house loan.Rob and his crew provided us with great excellent service. They made this experience smooth for us. They were prompt in contacting us and discussing our needs and potential outcomes to make this happen. Heis excellent, as is his crew. They make things possible!

Rob and his team are knowledgeable, proficient and caring. They are a solution oriented goal driven team, with the customer closing/getting approved as the ultimate goal. Thanks Rob.

Extremely helpful in lending process. Every step of the loan process was clearly explained. The rates they charged were fair. They exceeded all expectations for making themselves available to answer my questions at every step in the process. So grateful to be connected with them and would definitely recommend their lending services.

It was wonderful meeting and working with you guys. Great team 👏🏾 thanks 👍🏾 😊

Last night was our family’s first night in our new home. As we woke up to the happy chaos of kids running up and down the halls, I was overcome with gratitude. Rob O’Malley and his team played such a huge role in our family’s journey. They took the time to educate us, advise us, and encourage us every step of the way. As first time home buyers, we were so thankful to have such an experienced and compassionate team helping us reach the finish line (at a full sprint, no less!) The O’Malley team is absolutely a 5 Star Team.

I really like Rob and his whole team worked promptly in closing my loan with in 3 weeks. I really appreciate Rob for his transparent behavior and helping me in getting best mortgage rate compare to other shops.

10/10 recommend to anyone, friends family you name it

My husband and I got a bomb shell dropped on us finding out we had to leave our rental property we had been at for 6 years… so we decided to buy instead of paying someone else’s mortgage! I went to high school with Alex and reached out to her that same day… within our brief talk she introduced via phone Rob!!!! And I instantly felt relieved that I picked the right place to help get this done. We had until the end of May to be out of the rental… Rob and his entire team made the entire process so smooth and stress free! We closed on time and are now sitting in our beautiful new home! I am extremely confident when I say, if we didn’t use preferred rate and the O’Malley team that we wouldn’t have gotten this done! I cannot ever, thank Alex and Rob’s team enough. My husband and I are forever grateful for all their help and support! He sure does know his stuff! Especially with Veterans like myself and how the VA loans work! 🙌🏻🙌🏻🙌🏻🥂🍾🎉🎉❤️❤️❤️

The O'Malley Team. That's what they call themselves. And after working with Rob, Ashley, Peggy, John, and everyone else behind the scenes, they ARE genuinely the Dream Team. When it comes to the mortgage game, I compare The O'Malley Team to the 1996 Chicago Bulls (or the Golden State Warriors when they had KD, if you are a Warriors fan. I'm not, and Michael Jordan is the GOAT).Rob, like MJ, is the leader you want on your team when facing challenging situations. Rob has a policy of calling every one of his clients weekly to check in and ensure that everything is running smoothly and you aren't stressing out.My wife and I live hectic lives and are not easily reachable during the day. However, like all great teams, The O'Malley Team worked with us and accommodated our schedules. When they needed us to complete some paperwork, they would send the info in an email (and FYI- when you are buying a house, you get a million emails from all sorts of people and companies). Afterward, they would follow up with a text message stating what was needed from the email, along with the timestamp of the email sent.This high level of communication was exactly what my wife and I needed. Whether it was a task I needed to complete or documents we needed to fill out, we could count on the O'Malley Team to keep us on track.I am a military veteran (9 years active duty -USMC), and Rob made the process so easy that even this crayon eater understood what to do. The O'Malley Team worked with the VA (Veteran Affairs) for our VA loan on our behalf and navigated that SH*T SHOW of an organization for us at every step. If you have any history dealing with the VA, you can truly appreciate having someone deal with them for you.Working with Rob O'Malley and the Preferred Rate Mortgage Group was like going on a roller coaster ride - except without the nausea and fear for your life. Rob and his team made the mortgage process a breeze from start to finish. So if you're in the market for a mortgage, do yourself a favor and call Rob. He'll ensure you get the best deal possible. 10/10, would mortgage again.

The O'Malley Team. That's what they call themselves. And after working with Rob, Ashley, Peggy, John, and everyone else behind the scenes, they ARE genuinely the Dream Team. When it comes to the mortgage game, I compare The O'Malley Team to the 1996 Chicago Bulls (or the Golden State Warriors when they had KD, if you are a Warriors fan. I'm not, and Michael Jordan is the GOAT).Rob, like MJ, is the leader you want on your team when facing challenging situations. Rob has a policy of calling every one of his clients weekly to check in and ensure that everything is running smoothly and you aren't stressing out.My wife and I live hectic lives and are not easily reachable during the day. However, like all great teams, The O'Malley Team worked with us and accommodated our schedules. When they needed us to complete some paperwork, they would send the info in an email (and FYI- when you are buying a house, you get a million emails from all sorts of people and companies). Afterward, they would follow up with a text message stating what was needed from the email, along with the timestamp of the email sent.This high level of communication was exactly what my wife and I needed. Whether it was a task I needed to complete or documents we needed to fill out, we could count on the O'Malley Team to keep us on track.I am a military veteran (9 years active duty -USMC), and Rob made the process so easy that even this crayon eater understood what to do. The O'Malley Team worked with the VA (Veteran Affairs) for our VA loan on our behalf and navigated that SH*T SHOW of an organization for us at every step. If you have any history dealing with the VA, you can truly appreciate having someone deal with them for you.Working with Rob O'Malley and the Preferred Rate Mortgage Group was like going on a roller coaster ride - except without the nausea and fear for your life. Rob and his team made the mortgage process a breeze from start to finish. So if you're in the market for a mortgage, do yourself a favor and call Rob. He'll ensure you get the best deal possible. 10/10, would mortgage again.

It was a great experience working with Rob o Malley team!

Fantastic job by Rob and Team! Everyone in the team was great to work with and made our homebuying experience excellent

Very professional hands ,conscientious, and very helpful, just a great group to work with!!

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The O’Malley Team was amazing & Rob is extremely knowledgeable! The whole team made everything with purchasing our new home run smoothly! The whole team was always quick to respond and so helpful! There aren’t enough words to describe how awesome Rob and the O’Malley Team are!

An amazing experience. Rob and his team went above and beyond to make this easies loan process we ever did. From start to finish great communication and answered all my questions. We would definitely recommend then to anyone looking to refinance or buying a home. Couldn’t imagine going through anyone else.

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Friendly people. Took care of us when buying our home. I would recommend them to anyone looking to purchase . They went out of their way to help us.

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Always on top of their tasks and nothing but a respectful and hardworking team

Nothing short of superheroes! We were pre-qualified with a different lender and at the last minute, they said they could not process our loan because my husband works 4 days, off 3, and they couldn't use his overtime as part of his income. We were absolutely devastated, to say the least. Our realtor, Jeremie Butler, without missing a beat, says, "Call the O'Malley Team." We did and within 10 days, I repeat, 10 DAYS, we were getting ready to close escrow on our new home. Having two kids, one of which has Cerebral Palsy, we were terrified we were going to be without a home, having already sold ours. The O'Malley Team was understanding, empathetic, and supportive throughout the entire process. Their knowledge is incomparable and they knew there was nothing wrong with our loan, reassuring us we were going to be okay. You want to know you have the best when you're going through such a massive purchase and The O'Malley Team is the BEST! Rob, John, Ashely, Gina, Peggy and all on the team, we will never be able to thank you enough for taking us on and saving the day!

Had a great experience working with the O’Malley team.

Rob and his team are absolutely amazing!! They are professional, always there to answer any questions and go above and beyond to help you out. I would definitely use them again.

Rob O’Malley and his team were great in helping me purchase my home. They were always professional and efficient. Thanks to them the process was smooth and enjoyable.

We are entirely thrilled to have the Rob O’Malley team from Preferred Rate to help draw up our loan for our new home! We’ve worked with a bunch of folks from his team; Rob himself, Lindsay, Jacquelin. . .just to name a few! Getting financed for a new home is extremely difficult. It has to be. It is a long term commitment between you and your lender. There was an unimaginable amount of documents that we had to scan, print, sign, PDFs, bank statements, 401K statements, etc. I have nightmares at night with all of these paperwork lol!With that said, everyone in Rob’s team help provide guidance throughout the way. They were extremely patient with us, and was transparent about every single line item in the quotes provided to us. Going through the process of getting a home loan was pretty stressful, however, I’ve learned a thing or two about the different types of mortgages, how they work, how escrow accounts work, etc. It’s better this way as understanding what goes on behind the scenes of this process gives me a greater appreciation of the loan and the lender themselves.Not only did Rob’s team provide us guidance in exactly what was needed for the loan to move forward, they made things happen that we couldn’t even imagine having (like an increase in our loan amounts, as just one example). I definitely will recommend Rob’s team over at Preferred Rate/APM to others looking for a new home loan. I also really like the little email updates with videos in terms of what stage the loan is in. It’s a heart wrenching wait for the loan to finally close…those email updates really help assure us that the gears are still in motion, even if we don’t hear from them for a while in terms of updates.Thank you everyone at Rob O’Malleys team at Preferred Rate / APM for making this a reality for us!!!"Thoughts Become Things"-Manifest

Rob and his team go the extra mile to make sure everything‘s done the right way and always there for you if you have any questions Highly recommend these guys

OMG, I was referred to Preferred Rate by my favorite Realtor and he did not disappoint. The team here are a group of caring professionals who met my loan need in a timely manner, they moved quickly and they helped me understand the entire process. It was a painless experience, I am grateful.. Lindsay, Chuck, the Underwriters, Closers everyone involved made me feel special, Lindsay constantly checked on me, even after I purchased my home. They are the best!!!! Thank you for your service!

I'd like to start saying about my loan from "Preferred Rate", it's the best decision ever I've made in my whole life, really; there is a professional team ready to help, advise and quick too to respond which made the whole adventure is so interesting and goes by the scheduled time. JOHN WILMOTT; he is a Pre-approval Specialist who made my dreams comes true on paper; he did everything possible for us; no words can describe this awesome guy, in addition to his team in office represented by PEGGY BAKER and lastly one more hero who never gave up when I was so close to that stage and kept us positive all the time when we went through the process of shopping, JAIME CARCIA is my guy out of the office, guys; I am grateful for all the great job you have done so far and 100% would recommend you to everyone who will look for such a great service.. God Bless you all and wish you the best all the time..

I am very impressed with all of you :) Very professional and friendly. Could not have asked for a better team to help me and husband walk us through ALL of this ! Thank you for all of the information .Soon to be 1st time home owner :) Miriam Javier

Had a great experience with Preferred Rate. John and Rob took great care of us as first time homebuyers. Definitely made a huge life decision less daunting and as painless as possible. They were always available for questions and clarification, and kept us apprised as to our loan status. I would definitely recommend to buyers of any status.

I appreciate the team at Preferred Rate. The creativity and patience by John Wilmott to get our refinance was outstanding. I completely recommend the company.

It was such a pleasure to work with Rob O'Malley and his team! They are such hard working professionals that take there jobs very seriously. They were so clear and detail oriented with the process and made it so easy for us to get into our dream home!I highly recommend anyone looking for a lender to consider Rob and his team to help you get into your dream home as well

Working with Rob O’Malley; and his team has been amazing!! They all went above and beyond; answering questions (in a timely manner); persistently pursuing all options for me. I highly recommend anyone in need of financial help with their property speak with Rob O’Malley; and his team!

I had a truly positive experience with my consolidated loan application. From start to finish, the process was smooth, clear, and well-managed. Rob, Kyle, Peg, John, and the rest of the Preferred Rate team were professional, attentive, and consistently supportive. They took the time to explain each step, answered questions promptly, and ensured everything moved forward efficiently. What stood out most was how seamless and reassuring the entire experience felt. The team’s responsiveness and care made what could have been a stressful process feel straightforward and manageable. I’m very satisfied with both the service and the outcome, and I look forward to working with this team again in the future—they will absolutely be my go-to company for these types of needs.

Rob and his whole team at Preferred Rate are genuinely outstanding! He answered my questions graciously, articulated my options, and executed my 2nd refinance with the same level of professionalism and diligence as my 1st refi and home purchase. He and his team have all my future business, without question. He is strategic, brilliant, and enthusiastic, and he pours his full strength into serving his clients’ best interests. Thank you Rob, Ashley, John, Peggy and the whole team at PR for your kindness and for saving me $$$ on my mortgage!

If you are looking for a comprehensive analysis of your ability to buy a house, Rob and his team will provide that to you! My wife and I were unsure how much house we can buy and within a week of provided the team the document needed we had a pre-approval! In the Bay Area, the housing market is competitive. With Rob’s team on my corner we were able to get a 21 day close on a VA loan which made my offer very competitive and ultimately make us homeowners! Anyone considering taking the next step to home ownership should reach out to Rob to help turn that thought into a reality.

Rob O’Malley and his team at Preferred Rate are one well oiled machine! I have gone through a number of mortgages and refinances with Rob and his team over the years. 100% seamless transactions, professional, following up and providing updates are all part of the experience. When I am in need of any real estate loan products, Rob and his team are the first people I call. Thank you Rob!

Outstanding service. Will work on your behalf to get what you need day or night.

“Rob was fantastic to work with as a lender. He made the process smooth and stress-free, always keeping me informed and answering my questions. I would definitely use him again when buying a home.”