Sales Manager

Andrew Panaia

Sales Manager NMLS# 599806 Licensed in FL

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(561) 719-3083 andrew.panaia@preferredrate.com

110 Front Street Suite 300
Jupiter FL 33477
Branch License #2349363

About Andrew Panaia

Your mortgage is personal, and I understand that.

Andrew Panaia and his team have demonstrated a high level of creativity and professionalism when it comes to finding the right solution for a complex issue. He offers an extensive portfolio of lending options, specializing in Conventional Mortgages, FHA, VA, Jumbo, Construction, and Homes for Heroes loans. The value of the Jupiter team is in their local knowledge of the real estate market, established relationships, and financial expertise.

Andrew has been local to Northern Palm Beach County since 1986 where he attended Florida Atlantic University. After graduating he moved on to running his own sports manufacturing company for seven years before spending the next decade at JPMorgan Chase. Currently a resident of Jupiter where he resides with his wife, step-children, and animals and manages Preferred Rate, a Jupiter Mortgage Company, in Harborside Place.

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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

See what Andrew's clients have to say

Ismo T

I have been a client of MR.ETHAN PAYNE for some months and would highly recommend his services. He has assisted me with my complex financial structures and I have been more than happy with the results, and he's had a lot of good reviews. If you want to invest in Crypto, Forex and Stock, kindly reach out to Mr. Ethan. I invested $500 and earned over $6,900 within 7 days. I make profits on a weekly basis now with the help of this amazing trader. Contact Mr. Ethan, He's a good Forex and Crypto trader who knows the importance of risk management for a life changing experience. Contact him via: Email: ethanpayne700@gmail.com WhatsApp:+1 (256) 215-1536 ... Read More

May 23, 2022

Walt O

Hands down, "The Guy"

Apr 18, 2022

Bobby W

Andrew and his team provided the smoothest experience for my refi in 2020 and for my house purchase in 2021. Couldn’t believe the responsiveness of his team and customer centric approach to work. Highly recommended!!!

Apr 16, 2022

Dawn D

Andrew and his team are top notch!! No one can compare when it comes to customer service, rate, closing timeline and simply getting the job done. There’s no one else you should trust in the mortgage business. They never disappoint! ... Read More

Apr 16, 2022

Joe G

Hands down the best financial services provider in Palm Beach County. Andrew will find you the best possible loan option for your needs and they process and fund your loan quickly and efficiently. Thank you Andrew and Cardinal Financial. ... Read More

Jun 24, 2021

Dawn DeRosa P

You will not find a better customer service experience anywhere else! Andrew is extremely knowledgeable in all aspects of financing and is more than willing to help set you up with the best options for your home purchase or refinance. He WILL save you money and will go above and beyond throughout the entire process! ... Read More

Jun 09, 2021

walters4140

Andrew and Cardinal Financial were referred to me by a friend in the real estate industry. Andrew presented transparency from the first conversation, and he and his team's follow through was exemplary. The refinance process was seamless, and they were able to help me close with an incredible rate. Customer service and honesty are extremely important to me, and Andrew exceeded my expectations at each turn. From start to close, the communication, transparency, and security put me at ease. ... Read More

Sep 30, 2020

browneyez1492

How informative he was and up front on what we could and could not do. Great attitude, very polite, very helpful, and kept us in good spirits and updated throughout the up and downs of our housing experience.

Jul 22, 2020

equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2022 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

Licensed by the Dept. of Business Oversight under the CRMLA.

Licensed as Preferred Rate in AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in NV. AZ Corp BK 1014819. CA DRE #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 2941/164. Licensed under the Oregon Consumer Finance Act.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – Residential Mortgage Banking | 100 West Randolph St, 9th Floor | Chicago, Illinois 60601 | (844)768-1713

Licensed by the Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department." (Source: P.A. 101-657, eff. 3-23-21.)

Licensed by the Dept of Financial Protection and Innovation under the CRMLA.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV