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The mortgage process simplified.
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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

64 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

Loan Programs

1% Home Loan Program

Featured

Conventional Loans

Featured

Down Payment Assistance (DPA)

Featured

Home Renovation
HELOC Loans
Jumbo Loans
Low Down Payment Loans
Temporary Buydowns
VA Loans
Construction Financing
FHA Loans
Bridge Loans
Community Lending
Condominium Loans
First Responders – Nurses – Teacher Loans
Manufactured Home Loans
Reverse Mortgages
USDA Loans
Bank Statement Loans
Click n’ Close SmartBuy National DPA
DSCR Loans (Investment Loans)

Featured

Expanded Credit Loans
Expanded Income Loans
Loans for Foreign Nationals
Medical Professional Loans
Pathway DPA Program
Secure Lock Program
Seller PreLock 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.

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.

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