Mortgage Advisor

Demi Michelle Medeiros

Mortgage Advisor NMLS# 1938276 Licensed in CA and TX

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(916) 790-5687 demi.medeiros@preferredrate.com

1255 Treat Blvd., Suite 300 - Office 314
Walnut Creek, CA 94597
Branch License #2119917

About Demi Michelle Medeiros

Your mortgage is personal, and I understand that.

As a Mortgage Advisor, Demi makes each customer a top priority with her personalized approach to the loan process. Knowing that obtaining a mortgage is much more than a transaction, she is committed to delivering value and building long-lasting relationships with her clients. Before joining the Preferred Rate team, Demi refined her mortgage industry knowledge as a Mortgage Analyst at another division within American Pacific Mortgage.

Demi earned a Bachelor of Arts in Psychology from the University of California, Berkeley. While working on her degree, she independently owned and operated a successful small business, giving her considerable experience in marketing, operations and customer service. Following graduation, Demi was a consultant and analyst for a major technology company, where she worked closely with key stakeholders to develop and implement a well-functioning collections process.

Currently living in the Walnut Creek area, Demi is a proud lifelong San Francisco Bay Area resident. She feels most at home when traveling with her fiancé and adventuring outdoors — camping, snowboarding and exploring new trails are just a few of her favorite activities! When she is not out and about, Demi loves experimenting with new recipes, rooting for her favorite hockey team and working out.

Read More See my reviews
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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 Demi's clients have to say

Valerie L

Demi was great! Super efficient, knowledgeable and organized! She made our process run very smoothly - actually the best refinancing process we've had!

Feb 19, 2021

Gajendra M

Excellent!! Keep it upWish you all the best, Happy New year!!!

Dec 30, 2020

Julie H

Demi is dedicated and very responsive to your emails and texts.

Dec 22, 2020

Andrew W

Honestly l- Ms. Medeiros was fantastic from the get go. She responded promptly while quickly walking us through EVERY step in the process. When we had any issues (usually with my lack of understanding the process) she was incredibly helpful and got us back on track. It seems weird doing it online and I was initially skeptical but appreciative with Covid-19 still being an issue, but the whole process was great and her help and advise really made it go much fast.I would highly recommend Ms. Medeiros (and by extension Preferred Rate) and would do so again in the event I needed financing.Andrew Whitaker ... Read More

Apr 19, 2021

Thao D

Demi was very friendly and thorough with her work and was able to answered all my questions. Would definitely recommend Demi!

May 08, 2021

Catherine J

Professional expertise with positive, can-do attitude!

May 27, 2021

Daniel G

Demi and Preferred Rate were great to work with and went out of their way to make the process as smooth and easy as possible. They were also able to meet extremely tight deadlines that most other companies weren't able to accommodate. ... Read More

Jul 28, 2021

Valerie L

Demi was great! Super efficient, knowledgeable and organized! She made our process run very smoothly - actually the best refinancing process we've had!

Feb 18, 2021

equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2021 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, 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 AZ and NV. AZ Corp BK 0906702. 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.)

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.”