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!
Amazing customer service! As a 1st time homebuyer- I felt confident and knowledgeable throughout the process. Highly recommend 👌
Janet S
Wonderful to work with very responsive to all my questions. It is my second time working with Camilla and it has been a pleasure. Thank you
Carrie S
Camilla and her team were absolutely amazing. Camilla is very professional, personable and understanding. It is hard to find lenders who understand how important homebuying is for a client on more than just a financial level. Purchasing a property is a commitment that can be very overwhelming. I previously attempted to work with other lenders and their way of handling the process and lack of communication made me seek a different lender. She made the process very easygoing and her communication throughout the entire process was top notch. There was never a moment where I reached out and didn't get a response. I truly cannot thank Camilla enough and would recommend her a million times over.
Betty P
She always answered our calls…took care of our concerns…and was a great leader for us! Highly recommend!!!!!!
Katie C
Camilla made the process seamless and stress free. Her attentiveness was a welcomed attribute to what is a busy time for us as the buyer.
Michael F
I had an excellent experience working with Camilla. She was consistently available to take my calls, demonstrated a high level of professionalism and expertise, and her positive, upbeat personality made the entire process enjoyable.
andrea q
First time home buyer- Camilla explained every single detail to me and made sure I understood everything and felt comfortable. Made sure everything went as smooth as possible. Highly recommend!!!
Maggie M
My husband and I retired and decided to move to a place closer to our kids and with less maintenance. We knew we’d need to mortgage a new place since we still owned our original home. Enter Camilla Papaioannou who was recommended by a friend. We started the lending process before we even started looking at new homes. She gave us a quote, kept us informed on market changes, and discussed realistic impacts on our finances that we might experience. Many months later we found a home and Camilla never missed a beat. She kept us up to date on every aspect of the loan process so when we closed on the new home we were very comfortable, prepared, and never surprised with unforeseen expenditures. She has a great team none of whom ever became annoyed when we were asking questions about the computerized process that we was new to us. You will never be intimated by the daunting process of obtaining a mortgage when you work with Camilla!!
Brigid C
Seamless- car mills and Joanne were awesome
Marty M
Camilla was very easy to work with. She was quick respond to any question, and always extremely pleasant. She always acknowledged receipt of any documents sent so we did not have to wonder if the paperwork was transmitted properly, and updated us on all the steps. I would highly recommend her to anyone interested in getting a mortgage loan!
P K
Camilla guided me step by step on how to purchase my 1st home. Camilla and her team were always available for questions and the process was seamless. Thank you!
Papa
Amy made the process easy to understand, efficient and effective. Amy took care of everything and communicated effectively throughout the entire process. I would definitely recommend anyone work with Amy. Thank you.
Peter K
Camilla and her team are nothing short of fantastic! They are thorough, responsive, and incredibly knowledgable at their craft , and can make it easily understood by their clients. They consistently go above and beyond to make sure their customers are taken care of, and are an absolute pleasure to work with.
Agustin S
Camila and her team were very helpful and walked us through everything
Michael M
It was a pleasure working with Camilla and her team. The loan process went smoothly from start to finish. I appreciated that she took the time to listen and answer any questions I had throughout the process. I would highly recommend Camilla!
Maria Pavone M
Camilla and her team were wonderful to work with on the closing of my home. I highly recommend them if you are looking for a loan officer!
Samantha N
Camilla was absolutely fantastic! As first-time homebuyers, we were overwhelmed by the process, but she guided us through every step with clarity and patience. Camilla was incredibly responsive and made the entire experience smooth and stress-free. We couldn't have asked for a better partner in purchasing our dream home! Even after the process, she is still very responsive with all of our questions and provides important updates. She is a true partner through and through.
Yolanda M
Thank you Camilla and Vincent. It was pleasure to working with you. You guys are so helpful, experienced, knowledgeable.
Jonty M
Camilla was very thorough and attentive through the entire buying process!
Kevin M
Thank you to Camilla and Vincent for being on top of their game during this loan process. Buying a new house is sometimes stressful, but when you speak to Camilla, she knows how to make you feel calmer and less stressed. She communicated so well with the process, broke all the steps one by one for me, because let’s face it, bank terms are not everyone’s every day terms. Camilla never got frustrated when she had to explain a few times to me with different options I had and was always a phone call away for me. Vincent was great at communicating and ALWAYS responded in a very timely manner. I can’t thank these two enough with my experience and would highly recommend to use for your future purchase or refinance!
Tiffany V
Camilla is the best. Nobody knows the mortgage business like Camilla. From start to finish she kept me informed, If I had questions, she had answers. Having Camilla represent me through the mortgage process was the best decision I made. Camilla is a pro when it comes to mortgages. Make your life easier, have Camilla Papaioannou handle your mortgage or re-fi.
Doris Y
Camilla and Vincent were amazing during the entire loan process. Camilla was constantly checking in on me from the day I applied to even after closing. She cares about her clients so much!
A R
Camilla was a pleasure to work with. I would definitely recommend.
Carrie S
Camilla was super quick with responding and very informative, really liked working with her
Jessi
As a Real Estate Agent it's important to work with a lender that has done their "due diligence" prior to taking out my client to view properties. I want to ensure that once we've found their dream home the loan process will be smooth sailing!! The lines of communication is key, I'd like to be informed and in the loop of how the loan is coming along. If your client needs a lender I would definitely refer Camilla and her team, very professional and a joy to work with!!
Eva G
The service and personal attention we received from Camilla was exceptional! She was informative, helpful, very accommodating, and truly knowledgeable in her field. Camilla's expeditious time for response made our home buying process as seamless as can be. My wife and I are glad we chose her services and would continuously recommend Camilla to anyone buying a home. In fact, we have already recommended her to my son and his wife. They are in the process of closing on their first home and have used Camilla's guidance every step of the way. Thank you Camilla! My family and I appreciate your hard work.
Robert R
A VERY knowledgeable loan officer who is on top of things, and keeps solid communication throughout the loan process. Does a great job and very thorough!!
Vince M
Super knowledgeable and helpful. Thank you so much Camilla
Antonio V
Camilla provided us with exceptional service, expertise and professionalism. She has a responsive team and together they did an exceptional job helping us get the necessary loan to purchase our home. Camilla is dedicated to her clients, and we highly recommend her! Thanks for a job well done!!!
rick a
Camilla helped us secure a home loan. Her professionalism, knowledge and expertise made this stressful process so much easier. We highly recommend her service!
rwachgo
Camilla and her staff were professional and friendly. They provided frequent updates during the loan process and were always available to assist with any questions. I would highly recommend Camilla and her staff!
Jodi H
Camilla was great to work with. Very support and thorough throughout the loan process, her communication was excellent.
Nancy T
Camilla and her team are very detail oriented, explain the process so you can understand it, and provide an excellent customer service experience.
Eddie J
Camilla is a rockstar!! Very communicative and always professional.. my clients Love working with her and so do I.. she’s always on top of things the entire transaction
Linda Fleming W
Camilla was a pleasure to work with! She worked very well with my client and updated me as necessary. She was able to answer all questions in a timely manner. I am looking forward to working with her again!
Alexa
Camilla is by far one of the best in the business. She is a great communicator, very thorough and constantly keeps everyone informed on where things are at during the loan process. If you want a smooth/great experience - look no further!
Rose G
Don’t hesitate working with Camilla, best experience I’ve had ! She was always available to answer questions and made the entire process easy especially for a first time homebuyer like me!
Alexis F
Camilla and her team are the best! Camilla was incredibly responsive and helped answer questions I didn't even know I had from day 1 to the end, our closing process. She ensured that our home purchase process was as smooth and comfortable as possible. Her experience and expertise in the field even helped us save thousands at closing! I highly recommend working with Camilla and her team.
rosa t
Camilla was very knowledgeable and super easy to work with. She always had my best interest in the for and explained every little detail without making me feel like an idiot! Always got back to me promptly with any little question and follow through with everything she said she would do. She found me the best deal in this volatile real estate market now. It felt like I gained a new friend. Would totally recommend and use her again!
Kathleen G
Camilla is the best. Made the entire processes so easy and I couldn’t be happier. Always willing to answer questions and take the time to explain. Looking forward to working with her again soon on another purchase!
Jennifer K
Camilla is the best. Made the entire processes so easy and I couldn’t be happier. Always willing to answer questions and take the time to explain. Looking forward to working with her again soon on another purchase!
Max M
If you’re looking for someone knowledgeable about handling your mortgage, Camilla is your girl. She was extremely helpful in her field and helped make this a smooth transaction. Camilla and the entire Preferred Rate team kept in touch every step of the way, from document collection to processing and underwriting. Camilla and the team were extremely patient with all my questions as a first-turn home buyer. She was always available for a quick call to answer any questions I had. I will use her and her team for my future real estate needs. Keep up the good work!
Christos L
I have worked with camilla and her team for many years very professional, courteous, knowledgeable and keeps you informed throughout the loan process. I highly recommend Camilla and her team when you purchase your next home.
Diamond Q
Camilla was very professional, courteous and honest. Her customer service skills are impeccable. It is very important to know where you stand and exactly where you’re at in the process. I had a horrible experience in the past and was leery. Camilla made me feel comfortable and reinsure me of every step along the way and most important kept her word during this process.I would not hesitate for a moment to recommend Camilla especially if this is your first time buying a home.
Diamond S
I had a great experience with Camilla. She was always available if I had any questions, I received all the updates about the transaction on regular basis. Our transaction went very smoothly and closed on time as we expected.I’m giving 5⭐️⭐️⭐️⭐️⭐️ for Camilla, well deserved !!! and for sure I will recommend Camilla to all my clients. I’m so glad that we had a chance working together.
Elizabeth P
I have worked with camilla and her team for many years very professional, courteous, knowledgeable and keeps you informed throughout the loan process. I highly recommend Camilla and her team when you purchase your next home.
Loyda Q
Camilla was amazing. Super nice and explained everything with great detail
Amalia B
Camilla helped me to review a competitive loan vs her offering to see the best option for me and my family. She was instrumental in helping me make a better decision. I would highly recommend her for her honesty, integrity and great customer service. She was always willing to take the time to answer my questions no matter how small or large.
Diane E
Camilla and the Preferred Rate team were fantastic in helping us with the process. Camilla was always there to answer any questions we had and it never felt we were being a bother. I recommend her to all my family and friends.
Mike P
Camilla is a very knowledgeable mortgage lender. She takes her time to explain the process and works hard to keep her clients well informed of the process.
rfoss01
Camilla and her team was great!!! Everyone was so helpful and made sure that I knew what was happening at every stage of my process. I absolutely loved working with her! Thank you for all your help????
Latanya G
Camila was great! She was very helpful, informative about other aspects of my home buying process, friendly and easy to speak with. She shows she truly cares and makes sure you understand everything before proceeding. I would definitely recommend her!
Marissa M
Camilla was excellent and paid attention to detail! Not only was she detail oriented but also paid attention to little details like recognizing other things that were going on in my life and was compassionate and cooperative to my situation . I Highly recommend Camilla from Preferred Rate!Dr. Russell Cecala
Russell C
Always professional service.
Marco Antonio P
Great service
Eleftherios P
Camilla was great from day one. She made sure I understood everything. She was always there to answer any questions. Very professional!
Niechell W
I had a wonderful experience working with Camilla Papaioannou on my recent home loan. From start to finish, she was incredibly professional, patient, and supportive. She explained every step clearly, kept me informed throughout the process, and always made sure I felt comfortable and confident with each decision. Her dedication made the entire experience smooth and stress-free. I’m truly grateful for her help and would highly recommend her to anyone looking for a mortgage specialist who genuinely cares about her clients.
Ali A
Camilla is awesome. Never felt pressured or forced to do anything. She works at your pace. She gets stuff done quickly. Always with you every step of the way. Would recommend to everyone.
David N
Camilla was great and truly went above and beyond. She made it so easy and smooth. I will definitely be using her in the future again.
George K
Professional and reliable lender with excellent communication throughout the process. They were responsive, knowledgeable, and made everything smooth and efficient. Highly recommended.
Faris V
I highly recommend Camilla P from preferred rate , she exceeded my expectations and walked me patiently through the refinancing process and was nothing but helpful., hands down the best !
Frank C
I highly recommend Camilla P from preferred rate , she exceeded my expectations and walked me patiently through the refinancing process and was nothing but helpful., hands down the best !
Frank c
I had a wonderful experience working with Camilla Papaioannou on my recent home loan. From start to finish, she was incredibly professional, patient, and supportive. She explained every step clearly, kept me informed throughout the process, and always made sure I felt comfortable and confident with each decision. Her dedication made the entire experience smooth and stress-free. I’m truly grateful for her help and would highly recommend her to anyone looking for a mortgage specialist who genuinely cares about her clients.
Ali A
Very professional and great customer service.
Dan B
Camilla is incredibly professional, prompt, and thorough in explaining every step of the process. She helped us purchase both our first and second homes, and she has been nothing short of amazing throughout each experience. We truly couldn’t recommend her highly enough.
sierra b
Loan Programs
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
A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program
Featured
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Conventional Loans
Featured
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
Supporting veterans and families with VA home loan options and resources.
VA Loans
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
Happy couple discussing FHA loan options at home.
FHA Loans
Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Two workers in safety helmets working on a construction site, focusing on woodwork and project progress.
Construction Financing
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders | Nurses | Teacher Loans
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Modern house with landscaped yard and garden.
Expanded Income Loans
A smiling woman using a tablet near a window, representing accessible loan services for foreign nationals.
Loans for Foreign Nationals
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit Loans
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
Seller PreLock Program
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Rhyze HELOC
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.
Beautiful suburban house at sunset, showcasing a cozy home with a well-maintained lawn and welcoming entrance.
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.
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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How fast can I get pre-approved?
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How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
A contemporary living space with a gray sofa, decorative pillows, hanging pendant lights, and lush green plants, creating a comfortable and stylish en.