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Portrait of Shantel Cartwright smiling, wearing glasses, in a professional setting.
Shantel Cartwright, representing Preferred Rate, smiling confidently in a professional portrait.
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: #2579701

Shantel Cartwright

Mortgage Advisor

Shantel Cartwright is a Home Loan Originator at Preferred Rate in Indiana. Shantel has worked as a home loan lender at area banks and brokers over the course of many years. And she taught at area schools for 12 years. She works hard to finding the best home loan solutions to fit the borrowers needs including little to no money down home mortgages. As a former teacher, Shantel loves to teach the mortgage loan process to first-time home buyers, so they can navigate the process with success. Both Hoosier born, Shantel and her husband Tony have lived and raised their family in east central Indiana for most of their lives. Shantel loves spending time with her kids and granddaughter, traveling and the great outdoors. Shantel has high customer service standards and does her best for each and every borrower.

Licensed in:

IN and OH

Why work with me?

5.0/5 Rating

14 reviews

Real clients. Real results.

Shantel was absolutely amazing during this home buying process! She was recommended to us by our realtor and she did not disappoint. I HIGHLY recommend anyone to work with her! Kim was also great in this process as well. If I could give 10 stars to both of them I would. Thank you both so much for all that you have done! Love, The crouch’s.

Shalea C

It was a very good experience.

Nancy B

Shantel was very quick to get me through the whole process and make sure that I understood everything. I am very happy that I chose her to work with!

Nicholas B

This is our first time buying a home and Shantel was there to help us with it every step of the way. She was always available to answer our questions and she made the house buying process significantly less stressful. I would defiantly recommend her services to anyone looking for an expert to help with attaining a mortgage for their home purchase.

Collin C

Not knowing much about buying a home, Shantel and my Realtor Agent helped me immensely. Everything went smooth as I followed the directions given to me. Any questions I had was explained in a way that I could understand. I have already recommended her to my family. Thank you Shantel!

Julie K

Shantel was great. She explained things that I needed help in understanding. I would certainly recommend her to anyone in the market.

Tammy W

Amazing experience and Shantel was amazing and very helpful with everything I had questions with!!

Macie G

Shantelle was very helpful, kind, timely and always reassuring whenever I was feeling stressed. She made things go very smoothly and always made herself available. Loved working with her!:)

Sarah S

Shantel was awesome! She kept me updated and answered my questions in a timely manner. I appreciate all the help.

Michelle C

The customer service and the quick responses were everything we needed to make us feel very comfortable. Was a great overall experience and if we asked a question they would figure it out to the best of their ability to get us an answer. Highly recommend

Jon C

It was a surreal experience, not just purchasing my first home, but also doing it with a loan officer who I previously had as a teacher in high school. Shantel was as gracious, cooperative, knowledgeable, and helpful throughout this loan process as she was when she taught me in high school. Shantel, to you specifically, you did a wonderful job and I am honored that we had you as our loan officer. What an excellent job... through and through!

Dylan G

Loan Programs

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

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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)

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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
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A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
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
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Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
Buydown mortgage rates with temporary payment reductions.
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
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
Construction financing solutions for building your dream home or project. Expert guidance for seamle.
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Construction Financing
FHA loan approval process with Preferred Rate for homebuyers.
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FHA Loans
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
Affordable community lending options for homebuyers.
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
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
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
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
Senior couple exploring reverse mortgage options on laptop.
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
USDA loan approval process for rural home financing.
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA 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
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
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)

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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
Expanded Income Loans for Home Improvements.
Modern house with landscaped yard and garden.
Expanded Income Loans
Loan options for international clients seeking financial solutions.
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Loans for Foreign Nationals
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
Preferred Rate Pathway DPA Program interior design.
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Secure lock program for home safety and security.
Beautiful blue house featuring a secure lock program for enhanced home safety.
Secure Lock Program
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

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.

Home loan approval process with competitive rates at Preferred Rate. Secure your mortgage today with.
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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 Calculator

Estimate your monthly payment in seconds.

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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.

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