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Ernesto Salazar

Branch Manager NMLS# 1022111 Licensed in FL

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5.0
(48 reviews)
(239) 200-6490 [email protected]

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

About Ernesto Salazar

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 Ernesto's clients have to say

Míriam M

Comprar mi casa fue uno de los sueños más grandes de mi vida, y Ernesto Salazar lo hizo posible de una manera extraordinaria. Desde el primer día me mostró todas las opciones con total transparencia y dedicación, explicándome cada número y cada detalle con una paciencia increíble. Su profesionalismo, su claridad y, sobre todo, su compromiso genuino hicieron que todo el proceso fuera emocionante, seguro y lleno de confianza. Gracias a Ernesto, este sueño dejó de ser un plan y se convirtió en una realidad hermosa. Lo recomiendo con todo el corazón. ... Read More

Dec 30, 2025

Richard C

Demostró gran profesionalismo, conocimiento y responsabilidad durante todo el proceso. La comunicación fue clara y oportuna en cada etapa. Nos brindó confianza y seguridad para tomar buenas decisiones. Gracias a su apoyo, la compra de nuestra vivienda se realizó de manera eficiente y sin contratiempos. Altamente recomendado.”🙌🏻🙌🏻🙌🏻🙏🏻🙏🏻🙏🏻 ... Read More

Dec 24, 2025

Yudisnayer

Súper agradecidos con su ayuda no pudimos elegir mejor, Muchas gracias

Dec 24, 2025

Maykel C

Highly recommend! Ernesto and the Preferred Rate team worked with us to find the loan options that better fit our expectations. Professionalism and commitment to provide excellent customer service and support is what they go for. Thank you Ernesto! ... Read More

Dec 20, 2025

Sheila B

Ernesto Salazar provided excellent service throughout the entire lending process. He was extremely attentive, well-prepared, and always available to answer questions clearly and promptly. His professionalism and deep knowledge made the process smooth and stress-free. Ernesto truly goes above and beyond to ensure everything is handled correctly and on time. I highly recommend him to anyone looking for a reliable and dedicated lender. ... Read More

Dec 17, 2025

Patricia S

Ernesto did a great job. He always responded quickly when we had questions. It was a pleasure working with him.

Dec 03, 2025

Yen S

El proceso con Ernesto Salazar fue todo un éxito Total , siempre fue muy atento , muy específico , atento al los detalles , sobre todo una persona ecuánime , con la capacidad explicar una y otra vez considerando que todo el que compra casa por primera vez , todo es muy novedoso y sobre todo muy abrumador , pero el camino con el se nos hizo increíble gracias por todo Ernesto Salazar !!!!! ... Read More

Dec 02, 2025

Yanett G

I am so grateful to Ernesto Salazar and his team; they are truly the best. They are incredibly professional, empathetic, and respectful, always providing support and guidance throughout the entire process. I recommend them with complete confidence. ... Read More

Nov 11, 2025

Frank Rodriguez L

Excellent professional

Oct 07, 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