Your   homeownership journey starts here

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

Portrait of Demi Sardi, professional woman for financial services.
Demi Sardi, a professional financial advisor, representing trusted loan and mortgage solutions at Preferred Rate.
Beautiful modern craftsman house with landscaped front yard and double garage.
A stunning modern craftsman-style house featuring a landscaped front yard, large windows, and a spacious double garage.

NMLS: #1938276

Demi Sardi

Mortgage Advisor

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.

Licensed in:

AZ, CA, FL, TN and TX

Why work with me?

4.9/5 Rating

18 reviews

Real clients. Real results.

I had the best experience working with Demi. She was extremely communicative, informative, and patient. This was my first time buying a home so naturally I had more questions than normal and Demi was so kind and answered every one of them. I will definitely use Demi in the future.

Jorge A

I had the best experience working with Demi. She was extremely communicative, informative, and patient. This was my first time buying a home so naturally I had more questions than normal and Demi was so kind and answered every one of them. I will definitely use Demi in the future.

Lauren C

We are First time home buyers and didn’t know anything about the process of buying a home.. Demi was super patient with us, great at explaining and guiding us through the process.. she goes above and beyond great service.. Thank you!!

Jorge A

I had a great experience with this team. They provide great customer service!

terrance w

Demi Medeiros and her associates at Preferred Rate were friendly, helpful and very responsive throughout my mortgage refinance process. It was a pleasure to work with them!

Anne I

Demi was great and informative through the entire process.

Temitope A

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.

Daniel G

Professional expertise with positive, can-do attitude!

Catherine J

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

Thao D

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

Andrew W

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.
Happy couple discussing FHA loan options at home.
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.
Two workers in safety helmets working on a construction site, focusing on woodwork and project progress.
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.
A smiling woman using a tablet near a window, representing accessible loan services for foreign nationals.
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.
Beautiful suburban house at sunset, showcasing a cozy home with a well-maintained lawn and welcoming entrance.
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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Not required (Down payment ≥ 20%)
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Principal & Interest Mortgge Loan
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Property Tax Estimated
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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.

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next step?

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  • Competitive rates
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