Your   homeownership journey starts here

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

Sarah Kelly smiling outdoors at Preferred Rate.
Professional portrait of Sarah Kelly, a representative at Preferred Rate, showcasing friendly service and expertise.
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: #395901

Sarah Kelly

Mortgage Advisor

With twenty three years of industry experience, Sarah has extensive knowledge of the entire mortgage process. From processing to underwriting, she has done it all—making her uniquely qualified to guide her clients through the home buying process

Licensed in:

MI

Why work with me?

5.0/5 Rating

31 reviews

Real clients. Real results.

Sarah was so knowledgeable and worked hard for us and our first home!

Marissa R

Helpful when asking questions and answering in a timely matter!

Kristen P

Sarah was excellent and extremely responsive through out the process of purchasing our home. We felt confident having her on our side.

Maria G

Wonderful experience

Frank B

Sarah was wonderful to work with. Very helpful and went above and beyond to make sure I had what I needed.

Shelby H

Sarah explained everything I was signing in great detail, yet never talked down to me. She was professional and so, so nice!

Robert G

Sarah Kelly @ Preferred Rate is my Loan Officer, she was phenomenal. Her communication was outstanding and she went above and beyond to exceed my expectations. She was a miracle worker as she worked relentlessly to help my family over come numerous obstacles and get us to the closing table on the home that is the right fit for my family. Highly recommend , 5 Stars! Job well done!!!

Michael A

It was a wonderful experience. Sarah was always available to answer my questions and when we were closing she kept me updated.

Mariah T

Sarah was wonderful to work with. Everything went smoothly and exactly as she told us it would. We would highly recommend her.

Sharon O

Professional!Very good communication. Gets the deal done.

Gilbert G

Working with Sarah and Kim was such a pleasure! They helped guide me through the process with kindness and ease. Thank you for all you do in making dreams come true!

Jami J

The process of buying a home was very stressful and Sarah was patient with me as I navigated through everything. I appreciated her hard work and kindness through every step of the process.

April C

Customer service was great! Answered all my questions when i had them, insured to be straight forward and honest!

Marco G

Had the pleasure of being a purchaser through this lending team and Bre and Sarah are amazing!!! Even fresh off maternity leave Sarah managed to pull of a very tight closing! I will forever be appreciative to them both!

Veronica Vander K

Took a super difficult one and made it seem easy would recommend!

Paul G

Sarah is truly amazing and was absolutely wonderful to work with. She was extremely knowledgeable and supportive throughout the process and was always willing to field our phone calls/questions. I would highly recommend working with her and her team. She will be our go to in the future!

Trevor J

I had a great experience, clear communication, friendly and respectful.

Joshua s

Sarah and her team did an amazing job for us!! They were great with communication and support as first time homebuyers. We would highly recommend her!

Amy M

Amazing always responded and on top of everything even during after hours!!

Cody B

Sarah is an amazing woman. She made my home purchase so easy. She is on top of everything smart knowledgeable, and will answer any question pretty much day or night. Loved working with her if I have anyone I know in the market for a house and they need a lender. I will send them her way. Would not have been able to get my dream home without her. Five star rating for sure.

Dan R

Sarah was very thorough, always on the ball, and just a great person to have helping me in the process of purchasing my first home.

Adam F

Very prompt on communication. Answered all questions. Did a great job. The whole to was excellent..

James C

Most people don’t buy too many houses in life and have to go through selling and closing. But when you do, it’s wonderful to have people that support you, take the time to explain things to you, and keep your best interest in the forefront. Sarah and her team did that the entire way and I am thankful to have had such a great blown officer to communicate with. If you need someone to help you through the process of buying and financing, she’s the one!

Dawn C

Sarah is AMAZING. She is so responsive and pleasant to work with.

Sherry G

Sarah was so helpful throughout the entire process. She made sure we were informed and updated along the way. Thank you!

Angel T

I can’t say enough good things about working with Sarah, Nick, Emily, and Monica. From start to finish, they made the entire home buying process smooth, clear, and way less stressful than I expected. As a first-time homeowner, I had a lot of questions, and they were always there with quick responses, honest advice, and real support. They took the time to make sure I understood everything and helped me feel confident every step.

marcus c

Awesome to work with.

enis a

Great people to work with.

Enis A

Top notch service and great communications.

Michael G

The staff was professional and understanding of how we were doing financially. As first time home buyers we needed help with the process. Sara Kelly was very supportive and helpful with the process. She kept us updated on how we were moving forward step by step. A group of professionals who will assist all the way to the end so you can be successful at buying a home. Thank you!

Mae Cobbins E

Buying our first home felt overwhelming at times, but Sarah made the entire process feel so much easier. From the very beginning, she was patient, knowledgeable, responsive, and always willing to answer our million questions. She kept us informed every step of the way and truly cared about making sure everything went smoothly for our family. What could have been a stressful experience turned into such an exciting and memorable journey because of her guidance and support. We always felt like we were in good hands. Her communication, professionalism, and kindness meant the world to us during such a huge milestone. We are officially homeowners, and we are so grateful to Sarah and the entire team for helping make our dream a reality. Highly recommend to anyone looking for a lender who truly goes above and beyond! You could also add a cute ending like: “Forever grateful for helping us get the keys to our dream home 🏡✨

Jasna H

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+

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
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

View all

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