Your   homeownership journey starts here

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

Johnny Gremm portrait in office for Preferred Rate.
Johnny Gremm, representing Preferred Rate, in a professional setting, emphasizing financial solutions and personalized service.
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: #479622

Johnny Gremm

Branch Manager

Originating mortgage loans since 1992.
Specializing in all facets of mortgage lending.
Conventional, VA, Jumbo, FHA, Reverse, and Non Qualified Mortgage loans

Licensed in:

AZ, AR, CA, CO, FL, GA, ID, IL, IA, KY, ME, MD, MA, MI, MS, NM, NC, OH, OR, PA, SC, TN, TX, VA, and WA

Why work with me?

5.0/5 Rating

42 reviews

Real clients. Real results.

John Gremm is amazing. He walked me through each step of my loan application with patience and kindness. John is very responsive to all questions asked. Would use his services again for sure!

Belinda T

Dear JohnThank you so much for the outstanding service you provided during my loan application. You went above and beyond with your knowledge and patience to address my concerns and financial needs during the process of my home purchase.John, I truly appreciate all your assistance and suggestions to make the process seamless and stress free, your dedication to client satisfaction is commendable.Thank you again for your exceptional service!!Looking forward to working with you again on my next venture.Jennifer Persaud

Jennifer P

John was excellent. I loved working with him !! Very knowledgeable, exceptional service!!

Jennifer P

John was excellent in helping us refinance our home. Very knowledgeable and communicative. Highly recommend.

Jimmy M

John Gremm was very responsive and patient during the entire home purchase. I enjoyed working with him.

Christopher P

perfect mortgage loan process. detail oriented. on schedule. incredibly responsive. highly recommended

Alan R

John was very professional and worked diligently on my file until we had a clear to close. Thanks, John!

Susan C

Very goo Excellent 🙏

Karma B

Super responsive and detail oriented. John made my process efficient.

Kenjok B

John G. is the best. During all the problems and nonsense that’s happens when buying a house, John did great keeping me informed and delivering exactly what I asked for. Thanks John!

Nikolaus S

Very attentive and always put us first with the entire process to close. Thank you John for your hard work!

Khoury M

Communicative and quick to respond.

Kenjok B

Timely, easy to use, friendly, accurate information

Stanley J

John is rare find, he is very knowledgeable, courteous and an ultimate professional in his field. He goes above and beyond to take care of his customers and remains flexible to adjust to the ebbs and flow of the loan process. I recommend him to anyone looking to finance a real estate loan.

Ferozali D

John was great to work with. He effortlessly guided us through the entire process. I highly recommend him!

Alan W

The HELOC process was painless and smooth. The staff was knowledgeable, accommodating and pleasant to work with. John and Barbara are an asset to the Company. I recommend your bank to anyone for their financial needs.

Paula M

John was a SOLDIER when it came to us buying our home. We had some very unusual glitches come up and he took the reins, helped us navigate the speed bumps and successfully close on our dream property. He never gave up, worked tirelessly outside of normal business hours to get it done. Both my husband and I HIGHLY recommend John and his team!Thank you so much for sticking with us!

R. A. Lingenfelter Storytelling with a F

Easy to work with. Accommodating and follows through. Always gets it closed!

Sydney B

Wonderful experience beginning to end! I highly recommend John Gremm.

Terri M

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

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

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
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
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
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
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.
Two workers in safety helmets working on a construction site, focusing on woodwork and project progress.
Construction Financing
FHA loan approval process with Preferred Rate for homebuyers.
Happy couple discussing FHA loan options at home.
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)

Featured

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.
A smiling woman using a tablet near a window, representing accessible loan services for foreign nationals.
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.
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 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
Apply now
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?

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Home Loan Guides
& Checklists

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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