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

Group of women enjoying a social event, smiling and wearing sunglasses.
Ana Calzada and friends at a Preferred Rate event, showcasing networking and community engagement.
Businesswoman smiling outdoors with a professional look for financial services.
Ana Calzada, a confident professional woman, promotes trusted financial solutions at Preferred Rate.

NMLS: #879726

Ana Calzada

Mortgage Advisor

Awards

(1)

2x SATEGA Cup Winner

Over a decade in the industry. I was flipping houses and spent 15 years in Social Services prior to getting into the business. Because of my master’s degree in psychology, I’ve learned to be a great listener. I work great with clients who have a positive attitude and need and appreciate handholding if needed. Past clients often say that I was great at communicating and keeping them informed throughout the process. I take great care in working with each client and matching their needs and desires to the right product. I love attending my closings and getting to spend time with my clients at the closing table. I love playing golf, caring for my mother, and doing fun activities with my business partners.

 

Licensed in:

TX

Specialties:

First-Time Homebuyers

Investment Properties

Spanish Speakers

FHA Loans

VA Loans

Conventional Loans

Lending Specialties

First-Time Homebuyers

Investment Properties

Spanish Speakers

FHA Loans

VA Loans

Conventional Loans

Ana Calzada's
Awards and Recognition

2x SATEGA Cup Winner

Ana Calzada's team

Priscilla Montez posing indoors, promoting financial services with Preferred Rate.
Priscilla Montez standing confidently indoors, highlighting financial solutions from Preferred Rate.
Priscilla Montez
Loan Officer Assistant

18410 US Hwy 281 N #109 Office 7D
San Antonio, TX 78259
Branch License #2659868

Why work with me?

5.0/5 Rating

15 reviews

200+

Families helped

28 Days

Average close time

14 years

Of experience

Real clients. Real results.

It was great working with Anna always kept in touch with every step of the process.

RJ

Kept me informed at all times about the process

Rogelio J

Ana was great on processing my loan. Always answered my calls and any question I had. My experience was great and will recommend her 100% to my family and friends.

Julia M

Ana was great with helping us navigate our loan process! Polite and courteous, and she always answered the phone whenever we called. 10/10 would recommend again!

Seth H

Ana the best always available very knowledgeable made the process really easy

Darin S

Ana helped us by not only walking us through the process of buying a house and explaining each step of the process but helped us even when she moved to a different company ensuring we didn’t lose our connection with her. Absolutely incredible service!

Devin V

Its was great, Ana was amazing and communicated everything we needed. Thank you Ana.

Kailee T

we love Ana! She was always available and also explained to the paperwork to is.

Sylvia Ruby R

Ana was very helpful, communicative, and knowledgeable. She made the process easy for a first time home buyer. Thank you!

Luz Adriana H

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.
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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.
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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.
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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.
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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+

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Principal & Interest Mortgge Loan
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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
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next step?

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  • Competitive rates
  • Expert support
  • Easy process