Mortgage Advisor

Stephen Melville Hardy

Mortgage Advisor NMLS# 2022636 Licensed in IL & WI

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(224) 234-4950 s.hardy@preferredrate.com

339 N. Milwaukee Ave
Libertyville, IL 60048
Branch License Number 1963767

About Stephen Melville Hardy

Your mortgage is personal, and I understand that.

Your mortgage is personal, and I understand that. 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! Your mortgage is personal, and I understand that. 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!

See my reviews
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We keep the mortgage process easy

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.

  • Step 1 Connect with a Loan Expert

  • Step 2 Get Pre-Approved

  • Step 3 Make Offers

  • Step 4 Lock in your Preferred Rate

  • Step 5 Move in to your new home

  • Step 1 Connect with a Loan Expert

  • Step 2 Lock in your Preferred Rate

  • Step 3 Get your new loan approved!

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Home Loans

  • Fixed-rate Mortgages
  • Adjustable-rate Mortgages
  • Interest-only Loans
  • Jumbo Loans
  • FHA
  • VA Loans
  • USDA Loans
  • Reverse Mortgages

Speciality Products

  • Keys On Time Program
  • Secure Lock Program
  • Jumbo Investor Loan Programs
  • Peak Loan Program
  • High Balance Solutions
  • Jumbo Solutions
  • Home Ready
  • Home Possible Advantage
  • STaR Program for First-Responders
  • Doctor Program for Medical Professionals
  • Manufactured Housing Loans

See what Stephen's clients have to say

TheMind-Eye C

Stephen Hardy's impeccable level of customer service should be taught to all mortgage people. He continually went above and beyond to make this grueling process a pleasure. At the beginning of my interactions with him I was hesitant, because my mortgage was fairly complicated, and I had previously had trouble getting one. However, Stephen changed my opinion right away. He not only took my calls at night and on weekends, but he also responded quickly to me no matter what I asked...even after the mortgage was closed. He did the hard work, saving me hours of time and spoon-fed small tasks so that I never felt overwhelmed. He provided options for me, so that I was able to make clear and informed decisions. If he couldn't answer something, he would ask a superior or colleague and get back to me. I would not hesitate to recommend him to anyone seeking help in the mortgage field. ... Read More

Apr 08, 2022

Rudolph A

I would highly recommend Stephen Hardy at Preferred Rate to help you with a refinance loan! He is diligent, customer-service based, friendly, and will go the extra mile for a client. He came to my house to handle the paperwork (no, twice) so I didn’t have to travel anywhere. The process was so simple. Plus, he was able to save us so much money by finding us the best lender and rate. ... Read More

Mar 13, 2022

Terri A

I would highly recommend Stephen Hardy at Preferred Rate to help you with a refinance loan! He is diligent, customer-service based, friendly, and will go the extra mile for a client. He came to my house to handle the paperwork (no, twice) so I didn’t have to travel anywhere. The process was so simple. Plus, he was able to save us so much money by finding us the best lender and rate. ... Read More

Mar 09, 2022

A Google U

I'm so happy we had the opportunity to work with Steve. He made the process so easy for us in such a tight timeframe. We were buying and selling at the same time. He responded quickly with any questions or concerns we had. He was positive and helpful in every way! Thanks, Steve! ... Read More

Oct 26, 2021

A Google U

The mortgage process was very streamlined. Stephen makes sure to ask the right questions to collect the corret information to minimize underwriting time and headaches - will use him again for sure

Oct 26, 2021

Abbie R

I'm so happy we had the opportunity to work with Steve. He made the process so easy for us in such a tight timeframe. We were buying and selling at the same time. He responded quickly with any questions or concerns we had. He was positive and helpful in every way! Thanks, Steve! ... Read More

Oct 15, 2021

Rhett G

The mortgage process was very streamlined. Stephen makes sure to ask the right questions to collect the corret information to minimize underwriting time and headaches - will use him again for sure

Oct 15, 2021

Theresa H

It was great working with Steve! He got me a great rate and took all the stress out of buying a house. I’d recommend to everyone

Oct 15, 2021

Theresa H

Great experience!, Steve made everything smooth and easy. Always checking in to make sure it’s all on track. So good at making it Stress free.

Aug 21, 2021

equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2022 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

Licensed by the Dept. of Business Oversight under the CRMLA.

Licensed as Preferred Rate in AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in NV. AZ Corp BK 1014819. CA DRE #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 2941/164. Licensed under the Oregon Consumer Finance Act.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – Residential Mortgage Banking | 100 West Randolph St, 9th Floor | Chicago, Illinois 60601 | (844)768-1713

Licensed by the Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department." (Source: P.A. 101-657, eff. 3-23-21.)

Licensed by the Dept of Financial Protection and Innovation under the CRMLA.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”