Your   homeownership journey starts here

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

Wyatt Ragar smiling outdoors, representing trusted mortgage and financial services.
Professional portrait of Wyatt Ragar, a financial expert, for Preferred Rate branding and marketing.
Wyatt Ragar with team member at Preferred Rate office.
Wyatt Ragar and a team member smiling and holding a pizza box at the Preferred Rate office.

NMLS: #559049

Wyatt Ragar

Mortgage Advisor

Helping clients turn homeownership dreams into reality—that’s what drives Wyatt every day. As a dedicated mortgage loan officer, Wyatt specializes in guiding homebuyers, homeowners, and investors through a smooth, stress-free financing process from application to closing.

With a strong understanding of today’s lending landscape, Wyatt offers tailored solutions for first-time buyers, refinancing, renovation loans, and everything in between. His approach is simple: clear communication, fast responses, and a commitment to finding the right loan—not just a loan.

Whether you’re buying your first home, upgrading, or leveraging your equity, Wyatt takes the time to educate and empower you so you can make confident financial decisions.

Licensed in:

MO and IL

Specialties:

Renovation Loans

VA Loans

First-Time Homebuyers

Investment Properties

Lending Specialties

Renovation Loans

VA Loans

First-Time Homebuyers

Investment Properties

Wyatt Ragar's team

Heather Mayfield smiling portrait for financial services and mortgage solutions.
Professional headshot of Heather Mayfield, emphasizing trust and expertise in mortgage and financial services at Preferred Rate.
Heather Mayfield
Business Development Manager

3018 Winghaven Blvd.
O'Fallon, MO 63368
Branch License #2534568

Preferred Rate logo representing mortgage and loan services for Larry Scarpace.
The Preferred Rate logo associated with Larry Scarpace, highlighting expert mortgage and loan solutions.
Larry Scarpace
Loan Officer Assistant

3018 Winghaven Blvd.
O'Fallon, MO 63368
Branch License #2534568

Logo of Preferred Rate, a financial service provider for mortgage and loan solutions.
Preferred Rate's logo representing trusted mortgage and loan services for homebuyers.
Brandi Wylie
Processor

3018 Winghaven Blvd.
O'Fallon, MO 63368
Branch NMLS #2534568

Why work with me?

5.0/5 Rating

45 reviews

2,078+

Families helped

23 Days

Average close time

21 years

Of experience

Real clients. Real results.

Wyatt was exceptional helping us through the loan process. I was not tech savvy and he helped me with our application process. He helped us save hundreds of dollars on the closing costs and secured us a low interest rate ! He is a kind compassionate l Loan officer Who went above and beyond helping us secure our loan. We felt that we could totally trust him ! Thank you Wyatt for all your patience ! We love our wonderful house ! God bless you ! Sandy Trautman

Sandy T

This Guy rocks!!!!!

kimberly m

Wyatt was awesome through out our loan process! He was always able to answer my questions and have all the answers. He made the process easy for us.

Brittany H

The only thing I didn't like was the lack of communication & the lack of explaining things. You just can't send a person a lot of emails, documents to sign & figuers without properly explaining things to that person. I was a first time buyer and towards the end the communication was horrible & all the rushing to do this that & the other. I got blindsided at closing, I wasn't explained properly that I needed to come up with money. Yes he sent me emails with alot of numbers I didn't know what I was looking at. He never once called to see if I was free so he could explain documents to me. I'm just glad this whole process is over & I truly hope in the future you communicate more & explain things so a person will have a clear understanding.

Jandell J

Excellent and thorough.Made sure that we understood every aspect and step I highly recommend.

Justin9943 P

Wyatt and his team were great! They helped me a lot and answered all of my questions I had while purchasing my first home. 

Sadie C

Wyatt was very helpful in the home buying process! Highly recommend!

Trent A

It was an absolutely lovely and smooth experience working with Wyatt. 10/10 would go through him for something like Thai again

Kenneth K

Mr.Wyatt Rager, Words cannot express the gratitude to you for your exceptional abilities in getting me through this devastating ordeal. I almost gave up, but you assured me that we would close on this property. Your persistence, and professionalism is not a normally something I have encountered in my life time. Mr. Rager, you are a God sent, and would never have made it through to completion if not for you, THE BEST LOAN OFFICER EVER!!!May God richly bless you in all your future endeavors!One happy Grandma! Respectfully Almarie Nesbitt

Almarie N

Prompt, knkwledgeable, excellent communication.Patient and committed to keep the ball rolling. Completed the process in extremely stressful environment.Thank you!!

Sergei R

Wyatt has seen us through 2 mortgages and he's been an absolute dream to work with. 10/10 would recommend him.

Alcian Lamont S

Would definitely recommend Wyatt and this company! Wyatt was very responsive and kept me informed all through the process. He explained things to me that I didn’t quite understand. This is the second time I’ve used Wyatt. He’s #1 in my book!!

Patti M

I highly recommend Wyatt. He was proactive and thoughtful in the details.

Kim G

Very helpful, professional and patient thanks again for all your help Wyatt!

Milli E

Wyatt made the loan process simple and seamless.  

Kim G

Wyatt Ragar was attentive to us through the whole process. He answered our calls and concerns at what seemed like any hour we called and he was quick to follow up. We’ll call Wyatt again if we have mortgage needs in the future.

Fred B

Prompt and attentive service. Wyatt is very knowledgeable and professional.

Marsha

Thanks for the beautiful job and  always be nice 

Emanuel M

Wyatt & staff made my experience very reasonable going through the process I will recommend them to all I know interested in buying home fantastic job done with getting me in a new house

Daniel P

Excellent person to work with He help us to all the process and any questions that we have he resolved right away 

Alejandro V

Easy to work with and went above and beyond to get my mortgage done. Very helpful!

Jose H

My experience was made smooth as possible dealing with Wyatt & staff great job done with getting the deal made thanks for everything

Daniel P

Fast, friendly, KNOWLEDGEABLE!!!

JoDette B

Wyatt Ragar did an amazing job with helping us purchase our new home. He was knowledgeable and answered any questions we were unsure of. I would recommend this company to anyone.

Jason B

Buying our first home was stressful to us but Wyatt made it easier for us and was a great guy to work with.. Would definitely recommend.. Look forward to working with Wyatt again in the future.

Josh M

Great guy to work with. Help us out a lot on buying our first house. Always stayed on top of everything. Grateful for his service!

elvir h

Very helpful and savvy help me with my first purchase was very satisfied.

Billy D

Absolutely amazing thank you so much.

Jeanie D

Wyatt Ragar and Larry Scarpace were fantastic from star to finish! Their professionalism, knowledge, and due diligence are testament to your company's fine reputation. Please insure they are acknowledged for all their fine work in adding another satisfied customer to your list. Thank you; John & Kylee.

John S

Wyatt did a great job throughout the financing process and was communicative to everything that was needed to be done.

Conner C

Working with Wyatt was great! He led us through all of the documents and steps necessary to close and helped us achieve our goal! I would recommend him to anyone! 

Stephanie h

We absolutely loved working with Wyatt! He was very informative on everything on our loan process and got us into our first house!

G D

Wyatt is amazing to work with and gets things done with a purpose he is the one you need to go to for all of your loan needs!

Isaac W

Wyatt put up with my frustrations throughout the process, and he was excellent with his communication to me. He was kind, patient, professional, and mostly, he listened to me!

Bill D

Everything went great

Ronald R

Wyatt and his crew are awesome to work with and make the process very easy. Thanks for all your help, we appreciate you! Definitely recommend!!!

SwooshGang15 !

This Guy rocks!!!!!

kimberly m

We had a great experience and are so thankful for the opportunity they have given me and my family. The communication was great!

Chloe P

My husband and I are work on an overnight shift so we didnt think we would be able to have clear communication with anyone. This wasnt the case. Wyatt always answered our questions and calls no matter the time. And kept us up to date with how things were progressing. He is always understanding that we dont keep the same "business hours " as many other people and was still positive and upbeat when communicating with us. This made the process easy, simple, and a pleasure.

Heather I

It was fantastic to work with Wyatt. He told me everything that I needed to know and answered every question I had. Thank you again!!!!!

Alexei M

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