Your   homeownership journey starts here

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

NMLS: #229423

Robert M. Huster

Mortgage Advisor

Whether you’re looking to buy, build, or refinance your home, our experienced mortgage professionals are here to help. Here at Preferred Rate, we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Plus, as a mortgage professional, I am dedicated to finding the right loan with great rates, terms and costs to meet your specific needs.

Financing a home is one of the most significant commitments you will ever make – let me guide you throughout the entire loan process from application to closing and beyond. I look forward to putting our mortgage service to work for you!

Licensed in:

IL

Why work with me?

5.0/5 Rating

32 reviews

Real clients. Real results.

Bob was great as usual and got the job done quickly.

Kaylee S

We had a very pleasant experience working with Bob Huster. He is extremely knowledgeable, responsive and flexible to address any needs and questions during the whole process. Very happy and highly recommend him.

Gagandeep D

Bob was helpful and responsive through every step of the mortgage process. We highly recommend him!

Bryan R

Bob was helpful and responsive through every step of the mortgage process. We recommend him highly!

Bryan R

Excellent customer service. I was helped every step of the process.

Jose C

I feel very grateful for Bob Huster.

Marissa C

Bob made it very easy, answered questions and responded in a timely manner. Bob is the best

Joseph

Bob Huster is excellent! The guy is on top of his game, returns phone calls and answers emails almost immediately. Bob doesn’t let anything fall through the cracks, and keeps the process moving along quickly. I can’t say enough good things about working with Bob Huster!!!

Patricia M

I had a great experience with Bob. He was knowledgeable and efficient. He provided me with explanations of certain things that I didn't understand. He was extremely helpful in getting things together so I could close in 30 days.

Katy H

I've had a few bad experiences with lenders in the past. I met Bob about 7 years ago and we have done several loans through him since that time. He is always quick to address any concerns you will have and helps make the process smooth. Highly recommend!

Mark C

My incredible experience was due to Bob’s expertise, support and constant communication throughout the loan process!

Gayle G

Bob was great to work with on our refinance. He provided great advice and recommendations throughout the process. Would recommend his services to friends and family.

Jonathan N

Bob was great to work with on our refinance. He provided great advice and recommendations throughout the process. Would recommend his services to friends and family!

Niew i

Loan Programs

1% Home Loan Program

Featured

Conventional Loans

Featured

Down Payment Assistance (DPA)

Featured

Home Renovation
HELOC Loans
Jumbo Loans
Low Down Payment Loans
Temporary Buydowns
VA Loans
Construction Financing
FHA Loans
Bridge Loans
Community Lending
Condominium Loans
First Responders – Nurses – Teacher Loans
Manufactured Home Loans
Reverse Mortgages
USDA Loans
Bank Statement Loans
Click n’ Close SmartBuy National DPA
DSCR Loans (Investment Loans)

Featured

Expanded Credit Loans
Expanded Income Loans
Loans for Foreign Nationals
Medical Professional Loans
Pathway DPA Program
Secure Lock Program
Seller PreLock 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.

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 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
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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?

[email protected]

Couldn’t find your answer?

[email protected]

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