Your   homeownership journey starts here

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

Logo of Preferred Rate, a financial service provider for mortgage and loan solutions.
Preferred Rate's logo representing trusted mortgage and loan services for homebuyers.
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: #1022111

Ernesto Salazar

Branch Manager

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!

Licensed in:

FL

Why work with me?

5.0/5 Rating

71 reviews

Real clients. Real results.

Excellent professional

Frank Rodriguez L

I conducted my closing with Ernesto Salazar. He was great. I am a first time home buyer so I didn't know much about the mortgage loan process. He kept the line of communication open whether it was by email, phone, or text message. He provided in depth answers to all the questions that I asked. I'm sure no mortgage loan process has ever been completed without a hiccup or two. There were a couple of hiccups along the way, nothing major. However, Ernesto was able to correct them in a timely manner and without issue.I give him a 10/10 on discussing the final CD contract. He explained every section of the contract in depth, ensuring I understood. He was extremely patient. He took his time explaining everything to me. That was very much appreciated.If the opportunity presents itself, I look forward to working with Ernesto in the future!

Kanada

Ernesto and his team are very professional and efficient. Their experience makes the process very easy and manageable. They're just a call away from any questions or concerns. I definitely rate Ernesto Salazar and the team as excellent 5 stars, speaking from my experience is our second business with him.

Liliana P

Ernesto and the rest of the team are amazing. They pull almost a miracle in order for me an my family to get the loan for our house, we had several setbacks but they were always there to help. He is more that a good professional he is a good men.

Osbel R

The process of buying a house now days it can get a little frustrating but with the help of Ernesto Salazar and his teamwork everything was smoothly and crystal clear. We are very happy and please with his services. This is not our first time using Ernesto services and definitely in the future we are going to use his services again. Keep up with the good work Ernesto. Thank you very much.

Jorge Hernandez V

Hemos contado con los servicios de Ernesto Salazar en cuatro ocasiones y siempre quedamos satisfechos. Es un experto en su trabajo, alguien absolutamente confiable y cooperativo. Estamos muy agradecidos y lo recomendamos 100%.

Mirtha C

We are very satisfied with Ernesto Salazar's services. He is a highly professional, knowledgeable, and attentive. Congratulations for his work and our deepest gratitude.

Mirtha Carmona F

Tuve una excelente experiencia trabajando con Ernesto Salazar.Desde el primer día, el equipo fue increíblemente profesional, atento y siempre dispuesto a responder mis dudas y guiarme durante todo el proceso de compra de mi casa.Sin duda los recomendaría a cualquiera que esté pensando en comprar una propiedad. ¡Espero poder trabajar con ustedes nuevamente en el futuro!

Johanna R

I had an excellent experience working with Ernesto.From day one, the team was incredibly professional, attentive, and always willing to answer my questions and guide me through the entire home buying process.I would definitely recommend them to anyone thinking about purchasing a property. I hope to work with them again in the future!

Johanna Rodriguez C

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.

Yanett G

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.

Míriam M

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.”🙌🏻🙌🏻🙌🏻🙏🏻🙏🏻🙏🏻

Richard C

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

Yudisnayer

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!

Maykel C

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.

Sheila B

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

Patricia 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 !!!!!

Yen S

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.

Yanett G

Best in the game... Pro at his sport of Lending Money!

Christopher S

Agradezco mucho su atención y apoyo en todo el proceso, eficiente en su trabajo, para mí uno de los mejores.

Mabel Mulet A

Muy amables y professionals en su Trabajo, en especial el sr Ernesto

Yoismell Alfonso De La R

Muy satisfecha con este equipo de trabajo , superaron mis expectativas , una atención maravillosa y un excellente trabajo ,si está deseando adquirir su Vivienda se los recomiendo

Isela V

great, professionalism, caring.

Luviana

We are a returning customer for a reason . Ernesto is the best!! Always supper professional. We recommend him all the time. We recommend him 100%

Manuel Martinez F

Excelente servicio. Me ayudó en todo el proceso de compra de mi primera propiedad de manera clara y profesional. Muy recomendado.”

damarys f

Trabajo de excelencia, muy profesional. Para mí el mejor

Maikel Carballosa P

Ernesto was very professional but also took a personal interest in us. He was ready to answer any questions and would always go above and beyond!

Jennifer M

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

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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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  • Competitive rates
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