Sr. Mortgage Advisor

Ryan Sanford

Sr. Mortgage Advisor NMLS# 119511 Licensed in FL, IL, IN and MO

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(314) 378-2077 [email protected]

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

About Ryan Sanford

Your mortgage is personal, and I understand that.

Welcome to Preferred Rate, your go-to destination for tailored mortgage solutions. With over two decades of industry experience, Ryan and his dedicated team specialize in empowering individuals and families to achieve their homeownership and refinancing goals. Whether you are a first-time homebuyer exploring the real estate market, a seasoned homeowner, or seeking to optimize your mortgage through refinancing, Ryan is your trusted partner.

What’s kept Ryan in the mortgage business is being able to help so many families become homeowners however, refinancing with Preferred Rate offers significant benefits as well. By refinancing, you can save money through lower interest rates or, allowing you to access your equity to pay off high-interest credit cards and other liabilities, creating additional cash flow and financial flexibility. When it comes to maximizing the benefits of purchasing a home or refinancing, Ryan's expertise and personalized service ensure a seamless experience tailored to your specific financial needs.
Beyond his professional success, Ryan values quality time with his wife, Julie, and daughter, Adalyn. Engaging in jujitsu training and coaching children in jujitsu classes are activities that bring balance and fulfillment to his life.

Embark on the journey towards homeownership and financial well-being with confidence, knowing that Preferred Rate and Ryan will work tirelessly to turn your dreams into reality.

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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