Your   homeownership journey starts here

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

NMLS: #185880

Justin Alvin Sanders

VP of Business Development

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!

Licensed in:

AL, DE, FL, ID, IN, NV, NJ, NC, OK, SC, TN, VA, WI KY, MS, MO, and OR

Why work with me?

5.0/5 Rating

76 reviews

Real clients. Real results.

Amazing to work with! Responded quickly to any questions and concerns we had.

Julie G

Great experience. Made everything easy to purchase a house

Parker C

Very nice buying experience, i was informed and helped every step through the process of my purchase. Thanks Justin

Anthony M

Justin did our mortgage, he and the whole company was FANTASTIC!!!! I would HIGHLY recommend Justin and preferred mortgage FOR ALL OF YOUR HOMEBUYING NEEDS! Thanks Justin sanders

Nita B

We were very pleased with our loan process. John and Justin kept us well informed and we closed on time!!!

Colleen B

Justin was spectacular. Excellent communication and follow-through. Would highly recommend to anyone!! Great job Justin!

Graham B

Provided visibility and support every step of the way! Thanks Justin!

Brad N

We had a quick escrow! Everyone came together to make this run smoothly. Only one glitch and it was handled professionally. You definitely have our vote!Thank you, Great Job!!!

Tricia O

First time home buyer here. There’s so much I didn’t know, and a lot that I asked for from Justin. He was always able to make time to explain things to me and take me through scenarios. Closing process (non-local) was a breeze. Couldn’t have asked for anything more.

Robert C

Very professional and knowledgeable. If there were any questions, they were answered quickly and making it understandable.

Sheilagh D

closing was fast and easy, thank you!

Maribel Vani A

Excellent service.

Hilsaim Herrera T

Never had a more pleasant experience with a refinance (and I've done more than 5!). Communication was fantastic, all questions were answered promptly, they went above and beyond in every possible way. Cannot recommend them enough!

Michael M

Never had a more pleasant experience with a refinance (and I've done more than 5!). Communication was fantastic, all questions were answered promptly, they went above and beyond in every possible way. Cannot recommend them enough!

Michael M

Very easy to work with highly recommend him and his team.

Michael B

Very easy to work with highly recommend him and his team.

Michael B

I was happy to let your team take care of everything for me!

Frances R

I was happy to let your team take care of everything for me!

Frances R

Justin and his team were very professional diligent. I definitely would refer them and also use them in future projects.

Julian H

You guys took time and interest in my needs and that was the most important thing

Eleanor H

You all made the process simple, easy to understand, and very fast. I really appreciate the services I received.

Taylor M

Justin is so knowledgable that he's able to answer any questions we had and in a manner anyone can understand. The communication throughout the process was A+. We had so many moving parts with our relocation and Justin was able to get the financing side lined up well before our initial deadlines. Highly recommend!

Jordan S

Justin was the best throughout the whole experience. Extremely responsive, patient with questions and thorough with every detail

Jordan S

Extremely responsive and helpful!

Megan H

Justin was informative and gave us great advice and help every step of the way!

Daniel K

Excellent service and you guys came through for me. John did a great job.

Jairo C

The whole team worked amazingly to get the job done and to get me in the house. Thank you from the bottom of my heart

Claudiu C

This was the very best experience I've had with refinancing my home. The customer service was the very best!

Danielle S

Received CTC early— great communication

Julian H

Great and easy to work with. Got things done in a timely and professional manner.

Jason S

Justin is a consummate professional. He handled the transaction well and closed on time!

David F

Great service

Mark C

Justin and Nicole were very responsive and a pleasure to work with.

Linda V

Justin is the best

Katie F

Mena was who helped me. She was excellent. You should have her talk to the clients on initial contact. She could think on her feet and was very knowledgeable. This is very important on the first contact with a client as well as during the process. I had an estimate from Bank of America and was inclined to actually stick with them until I spoke with Mena. Make sure you give her a raise and promotion

Roger C

I had the best and easiest transition possible. Justin was very attentive and prompt. John Ruiz hands down the BEST!!! Very knowledgeable and knows his stuff. The whole team made my experience awesome.

Phillics S

It is rare that we work with people who do what needs to get asap. Jill especially was golden. You were all professional and problem solvers when the need arose. Thankful that you we chose.

Susan M

Loan Programs

1% Home Loan Program

Featured

Conventional Loans

Featured

Down Payment Assistance (DPA)

Featured

Home Renovation
HELOC Loans
Jumbo Loans
Low Down Payment Loans
Temporary Buydowns
VA Loans
Construction Financing
FHA Loans
Bridge Loans
Community Lending
Condominium Loans
First Responders – Nurses – Teacher Loans
Manufactured Home Loans
Reverse Mortgages
USDA Loans
Bank Statement Loans
Click n’ Close SmartBuy National DPA
DSCR Loans (Investment Loans)

Featured

Expanded Credit Loans
Expanded Income Loans
Loans for Foreign Nationals
Medical Professional Loans
Pathway DPA Program
Secure Lock Program
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.

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+

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Not required (Down payment ≥ 20%)
Estimated Monthly Payment

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Principal & Interest Mortgge Loan
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Property Tax Estimated
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Home Insurance Estimated
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HOA & PMI Fees
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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.

Frequently asked
questions

With short and easy to understand answers.

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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