Branch Manager

Cristina Payero

Branch Manager NMLS# 309923 Licensed in FL

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5.0
(162 reviews)
(239) 293-8060 [email protected]

1421 Pine Ridge Rd., Ste. 220
Naples, FL 34109
Branch License #2094348

About Cristina Payero

Your mortgage is personal, and I understand that.

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! 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!

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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
Buy a home Refinance

See what Cristina's clients have to say

Susy

Cristina was extremely professional and certainly looks out for the client’s best interest. 100% would recommend! 10/10. 

Dec 28, 2025

Argelia De La T

Working with Cristina was an excellent experience from start to finish. She was knowledgeable, responsive, and took the time to clearly explain every step of the process. She provided honest guidance, and made what could have been a stressful experience feel smooth and manageable. Communication was consistent and timely, and I always felt confident that my best interests were the priority. The loan closed on time with no surprises, which speaks volumes about her professionalism and attention to detail. I would highly recommend Cristina to anyone looking for a reliable, efficient, and trustworthy mortgage partner. She truly goes above and beyond for her clients. ... Read More

Dec 13, 2025

Noslen M

Cristina was amazing, our closing went smoothly thanks to her.

Dec 03, 2025

Jessica S

This is our second time working with this team, and their professionalism continues to impress me. The loan process was smooth, fast, organized and clearly explained. Special thanks to Maythe and Cristina for their outstanding support. I confidently recommend their services. ... Read More

Nov 20, 2025

Maria F

Working with Christina was amazing she was super fast and always stay on top of things she was able to get me to close in 19 days.i was so pleased with all the hard work she did. For sure i will be using her again. 

Nov 20, 2025

Chriss L

Cristina fue un gran apoyo en nuestro proceso de compra de nuestra primera propiedad de inversión, nos guió y buscó las mejores condiciones para nuestro perfil, fue muy servicial y siempre dispuesta a resolver cualquier duda. Estamos muy agradecidos porque logramos nuestro objetivo. Recomiendo encarecidamente a Cristina y doy Fe de su gran trabajo. ... Read More

Nov 19, 2025

Chriss Liseth Torrico De Terrazas (

Cristina fue un gran apoyo en nuestro proceso de compra de nuestra primera propiedad de inversión, nos guió y buscó las mejores condiciones para nuestro perfil, fue muy servicial y siempre dispuesto a resolver cualquier duda. Estamos muy agradecidos porque logramos nuestro objetivo. Recomiendo encarecidamente a Cristina y doy Fe de su gran trabajo. ... Read More

Nov 19, 2025

Carlos Roggiero S

Excellent and very friendly

Nov 13, 2025

ernesto r

Great service

Nov 13, 2025

See all reviews

equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2026 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. www.apmortgage.com

Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.

This site is not authorized by the New York State Department of Financial Services.  No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

Licensed as Preferred Rate in AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OK, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in NV. AZ BK 0906702. CA #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 164. Licensed under the Oregon Consumer Finance Act. OK MLO13426.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – 555 West Monroe Street, 5th Floor Chicago, IL 60661 | (888) 473-4858

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

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.)

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