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!
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
Working with Ernesto throughout the home buying process was an amazing experience. Ernesto made everything clear, answered every question quickly, and helped make what could have been a stressful process feel smooth and easy. Thank you for going above and beyond — I highly recommend you to anyone looking to buy a house!
juan G
Best of the best ! Always available and dedicated to the client ! It was a pleasure working with Ernesto, will recommend him to all my friends. Thank You !
Maygreet F
Mi familia y yo tuvimos el placer de trabajar con Ernesto, y jamás hubiéramos imaginado que el proceso sería tan fácil y libre de estrés. Todo fue gracias a lo profesional, dedicado y diligente que es con su trabajo.
Hay que quitarse el sombrero ante este señor. Su atención, compromiso y disposición para ayudar hicieron toda la diferencia.
¡Fue un verdadero placer trabajar con él! Lo recomendamos al 100%. ¡Gracias, Ernesto!
Kathleen D
Ernesto was very good, took time and effort! Explained every step and communicated very well
angie R
Ernesto was absolutely amazing, such a pleasure to work with. He understood my needs and helped me through my whole process!!
Jenica A
I had an excellent experience working with Ernesto Salazar throughout the purchase of my new home in Cape Coral. From the very beginning, they were knowledgeable, responsive, and patient in answering all of my questions. The loan process was explained clearly, and I always felt informed about the next steps. Their professionalism and dedication helped make what can be a stressful process feel smooth and manageable. Thanks to their hard work and attention to detail, we closed successfully and on time. I highly recommend Ernesto Salazar to anyone looking for a trustworthy and dependable mortgage professional.
Miami Fine Auto Sales C
Thank You, Ernesto, for helping My Wife and I realize our dream to be HOMEOWNERS. Your combination of Professionalism and Personal Touch is not only impressive but valued and most of all appreciated. Thank You and Your AMAZING CREW for making this Painless and easy.
Anibal Velazquez C
Thank You, Ernesto, for helping My Wife and I realize our dream to be HOMEOWNERS. Your combination of Professionalism and Personal Touch is not only impressive but valued and most of all appreciated. Thank You and Your AMAZING CREW for making this Painless and easy.
MIKE V
Muy profesional Ernesto Salazar, amable y siempre disponible para tus preguntas e inquietudes
Diolexis Hernandez A
Muy buena atención, amabilidad y profesionalidad durante todo el proceso 👏 10 de 10
Diolexis Hernández A
Working with my Ernesto was an outstanding experience from start to finish. He was extremely professional, knowledgeable, and always took the time to explain every step of the process in a way that was easy to understand. What I appreciated most was his honesty—he always spoke clearly and told me the truth. I never felt misled or pressured, and I always knew exactly where I stood. His transparency, integrity, and dedication made the entire loan process smooth and stress-free. I highly recommend him to anyone looking for a trustworthy and professional loan lender.
Randy R
⭐⭐⭐⭐⭐
I can’t recommend Ernesto Salazar enough! He did an outstanding job throughout the entire home-buying process. From day one, he was professional, knowledgeable, responsive, and always willing to answer any questions we had.
Ernesto made what could have been a stressful experience feel smooth and manageable. He kept us informed every step of the way, worked hard to make everything happen on time, and truly had our best interests at heart.
Thanks to his dedication and expertise, we are now proud homeowners. If you’re looking for a loan officer who genuinely cares about his clients and goes above and beyond, Ernesto Salazar is the one to call. Thank you for making our dream of owning a home a reality!
Daniela P
RECOMENDADO 100%
Gracias a Ernesto Salazar y a todo su equipo pude comprar mi primera casa! Excelente profesional, paciente, atento, siempre dispuesto a escuchar y a explicar cada una de mis inquietudes que como compradora por primera vez eran muchas. Ernesto hizo que el proceso se sientiera mucho mas facil, siempre me senti confiada y en las mejores manos. Definitivamente lo recomiendo 100%.
Yolanda A
Exceptional customer service, great person and great team. This is the second property my wife and I acquire with his help. I hope to keep doing business with him in the future.
Alfred H O
Excelente experiencia con Ernesto y todo su equipo. Desde el primer momento demostraron profesionalismo, dedicación y mucha paciencia. Nos guiaron durante todo el proceso, aclararon cada una de nuestras dudas y siempre estuvieron disponibles para ayudarnos. Gracias a su esfuerzo y compromiso, logramos cumplir nuestro sueño. Estamos profundamente agradecidos y los recomendamos al 100 %.
Dayremis Noilda Hernández G
A truly professional team with excellent communication and guidance every step of the way. They answered all of our questions and supported us throughout the entire process, making the purchase of our home a deeply rewarding experience. Ernesto Salazar and his team are fantastic, and I recommend them 100%. Without Ernesto and his team, fulfilling this dream wouldn't have been the same. Thank you so much for everything!
Noel J
I cannot say enough amazing things about Ernesto Salazar and everything he did for our family throughout the entire home-buying process. From the very beginning, Ernesto went above and beyond to guide us, support us, answer every question, and make sure we never felt alone during such an important and sometimes stressful journey.
His professionalism, dedication, patience, and genuine commitment to helping his clients are truly exceptional. He didn’t just do his job—he treated our dream as if it were his own and worked incredibly hard to help us make it a reality.
There were moments when this process felt overwhelming and almost impossible, but Ernesto was always there finding solutions, keeping us informed, and reminding us that we could get to the finish line. I can honestly say that without Ernesto, we would not be homeowners today.
There are simply not enough words to express how grateful we are for everything he did for us and our family. Having the keys to our new home means so much more knowing how much work, dedication, and heart went into making this possible.
Ernesto, thank you from the bottom of our hearts for helping make one of our biggest dreams come true. You are an incredible professional and an even more incredible person. Anyone fortunate enough to work with you is truly in the best hands.
100% recommended. Five stars are simply not enough! ⭐⭐⭐⭐⭐
Jorge M
I highly recommend the person who helped me close my personal loan. I received excellent service throughout the entire process; they were always very professional and courteous, and paid close attention to every detail. They explained everything clearly and answered my questions with great patience. I am very grateful for their help and would definitely recommend them to anyone needing this type of service.
Armando g
I highly recommend the person who helped me close my personal loan. I received excellent service throughout the entire process; they were always very professional and courteous, and paid close attention to every detail. They explained everything clearly and answered my questions with great patience. I am very grateful for their help and would definitely recommend them to anyone needing
Armando Gonzalez H
Una persona súper preparada en lo que hace y muy atento con sus clientes recomendado 1000%…
Cuba Mi t
Siempre nos sentimos escuchados, atendidos, ayudados y definitivamente eso es lo que uno necesita en algo tan complejo como adquirir una vivienda y con Ernesto todo fue simple, sencillo, explicado, solucionado; lo recomiendo enteramente, es una persona capaz que siempre demostró interés en nosotros, en nombre de mi esposa y el mío, GRACIAS muchas gracias a él y a todo su equipo
Robert A
Tuve una excelente experiencia trabajando con Ernesto , durante todo el proceso de compra de mi casa. Desde el comienzo hasta el cierre final, siempre demostro profesionalismo, compromiso y disposición para ayudarme a completar cada paso con éxito.
Comprar una casa puede ser un proceso estresante, y hubo varios momentos en los que tuve preguntas, preocupaciones o necesité orientación. Siempre estuvo disponible para explicarme el proceso, aclarar mis dudas y trabajar en cada detalle hasta llegar finalmente a la meta.
Agradezco muchísimo su paciencia, dedicación y todo el esfuerzo que hizo para ayudarme a cumplir el sueño de convertirme en propietaria de mi casa. Después de todo el camino recorrido, escuchar finalmente las palabras “Clear to Close” fue un momento que nunca olvidaré.
Estoy profundamente agradecida por todo el apoyo que recibí y definitivamente lo recomendaria a cualquier persona que esté buscando un lender comprometido, profesional y dispuesto a trabajar hasta llevarte a la mesa de cierre.
¡Gracias por haber sido parte de un momento tan importante y especial en mi vida! 🏡❤️
Aida de la T
Loan Programs
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DSCR Loans (Investment Loans)
Featured
A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program
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Conventional Loans
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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)
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Refinance Loan
Supporting veterans and families with VA home loan options and resources.
VA Loans
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USDA Loans
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FHA Loans
Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
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Home Renovation
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
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Bank Statement Loans
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Construction Financing
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
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First Responders | Nurses | Teacher Loans
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Community Lending
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Modern house with landscaped yard and garden.
Expanded Income Loans
A smiling woman using a tablet near a window, representing accessible loan services for foreign nationals.
Loans for Foreign Nationals
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit Loans
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
Seller PreLock Program
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Rhyze HELOC
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.
Beautiful suburban house at sunset, showcasing a cozy home with a well-maintained lawn and welcoming entrance.
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.
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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How fast can I get pre-approved?
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How fast can I get pre-approved?
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How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
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A contemporary living space with a gray sofa, decorative pillows, hanging pendant lights, and lush green plants, creating a comfortable and stylish en.