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Your Future.

Your Preferred Rate.

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

49 States

Licensed to operate
across the United States

304 Specialists

Dedicated mortgage
loan professionals

100+ Options

Loan programs to fit
 every buyer's needs

95% Satisfaction

Homebuyers rate us highly for service

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.
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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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Real Clients.
Real Results.

5.0

5665 Reviews

5.0

1984 Reviews

4.9

4787 Reviews

Amber was amazing, answered any and all questions we had as first time home buyers. Kept us updated and always had a quick response time to our questions or concerns. Fully transparent with all billing and charges on our loan . Will definitely recommend to friends and family.

Moises L

Our Website

Terri was a very knowledgeable and professional person who is great at her craft. It was indeed be a pleasure to refer her with confidence because of her abilities to any of my family, friends or my 7300 church members. She really fought for me and that doesn’t happen anymore in business it’s all about self and money. I felt comfortable any time I had to reach out to her. I wasn’t rushed or spoken to rudely because of my lack of knowledge in Real Estate. Blessings

Laura D

Our Website

Bryan & his team were great at communicating and keeping us informed at every stage of the closing process.

Rosemary W

Our Website

Sara was great through the whole process. Was always available for questions and helped my daughter understand how the loan process worked. I would HIGHLY recommend her to friends and family.

David M

Our Website

Very professional, detailing and timely mannier. I totally recommend this company. Thank You!

Kougat c

Google

It was great working with Kenton as a first-time homebuyer. He was very helpful as I navigated the process.

Edward F

Our Website

Lea did a fantastic job securing the lowest rate possible for our situation! I would choose this team again without hesitation, and I’ll gladly recommend Lea to anyone needing mortgage financing. She kept us informed every step of the process, always returned our calls, and even sent texts when she wasn’t able to call.

Thomas M

Our Website

Blake was very helpful to my wife and I during the loan process!

Kyle Z

Our Website

“Carl was absolutely fantastic to work with and truly passionate about what he does. He kept us informed throughout every step of the process, made everything simple and stress-free, and explained things in a way that was easy to understand. He worked hard to get us the best rate possible, and thanks to him, we’re so excited to be in our new home. We highly recommend Carl to anyone looking for a knowledgeable and dedicated lender!”

Amy P

Our Website

5.0

5665 Reviews

5.0

1984 Reviews

4.9

4787 Reviews

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Trusted financial services logo for competitive loan and mortgage rates.

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Preferred Rate logo on a professional financial website.
Trusted financial services logo for competitive loan and mortgage rates.

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The Preferred Rate logo displayed on a financial services platform emphasizing competitive mortgage and loan options.
Preferred Rate logo on a professional financial website.
Trusted financial services logo for competitive loan and mortgage rates.

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The Preferred Rate logo displayed on a financial services platform emphasizing competitive mortgage and loan options.
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Trusted partner for California HFA home loan programs and mortgage solutions.

TOP LENDER

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TOP 250 LATINO MORTGAGE ORIGINATORS

NAHREP

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TOP MORTGAGE LENDER

Scotsman Guide

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The Preferred Rate logo showcasing a professional design with laurel wreath and blue ribbon, symbolizing trust and excellence in financial services.

TOP MILITARY LENDER

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Trusted mortgage and financial services provider logo for optimal home loan solutions.

TOP 15 VA LENDER

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Buydown mortgage rates with temporary payment reductions.
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
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Spacious living room with comfortable seating, large windows, and stylish decor.
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Beautiful modern craftsman-style house with a landscaped front yard and garage.
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Down Payment Assistance (DPA)

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Child on Veteran's shoulders with American flag, symbolizing VA loan benefits.
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VA Loans
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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.
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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.
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Man using a laptop on a bean bag chair, promoting flexible bank statement loans.
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Bank Statement Loans
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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.
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Condominium Loans
Healthcare professional loan options for doctors and medical staff. Secure funding to grow your medi.
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Medical Professional Loans
Nurse smiling with tablet, promoting first responder loan programs.
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Buydown mortgage rates with temporary payment reductions.
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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.
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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