Your   homeownership journey starts here

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

George Muñoz smiling in a professional setting at Preferred Rate.
Portrait of George Muñoz, a professional at Preferred Rate, showcasing confidence and approachability.
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: #252207

George Muñoz

Sr. Mortgage Advisor

With over two decades of experience in international banking, I began my career in Miami, Florida, before relocating to the headquarters in San Francisco, California. During my tenure at a prominent financial institution, I honed my skills in various facets of banking operations, particularly in the Latin America/Caribbean market.

Transitioning from a role as a VP at a leading bank to a new chapter in mortgage processing, I’ve been serving as a loan officer/consultant since 2009. My passion lies in assisting individuals and families in realizing their dreams of homeownership. Whether it’s aiding loved ones, acquaintances, or newfound connections, I derive immense satisfaction from guiding them through the mortgage process and helping them achieve their goals. I look forward to assisting you on your journey to homeownership as well!

Licensed in:

CA

Why work with me?

5.0/5 Rating

16 reviews

Real clients. Real results.

" I had an outstanding experience working with (George Munoz ) throughout the home loan process. From day one, they were knowledgeable, professional, and incredibly responsive to all my questions. Buying a home can be stressful, but (George) made it smooth and manageable with clear communication and constant updates. They took the time to explain every step, offered great advice, and worked tirelessly to ensure everything stayed on track and closed on time. I truly felt like they had my best interests at heart the whole way through. Thanks to [George], I’m now in my new home and couldn’t be happier. I highly recommend them to anyone looking for a reliable, experienced, and caring loan officer!"

rohullah g

George was an excellent resource for my real estate transaction. Great communication and very knowledgeable in various types of mortgages. I will continue working with George on my future real estate  transactions

Mohana N

George and his team supported our family during the entire loan process. He was extremely approachable and made sure all our documentation was in order. I highly recommend him, he was a pleasure to work with!

Craig M

Very helpful and easy to work with

Thomas D

I recommend George Munoz He's a GREAT Lender

Ro R

Muy buen servicio y excelente trabajo

rigoberto m

Fast honest professional

Lily N

George is professional and very responsive, he did a great job for us I would recommend his service for all conventional loan and self-employed which is known a non-qualified loan.

Abdul M

George was awesome and very professional throughout the process. He was very patient, caring and always followed through.

Jovana Garcia B

George Munoz was very professional. He explained about the loan, gave great feedback, and communicated with honesty. For being a first time home buyer, the whole loan process was done professionally and on a timely manner. Excellent Service overall.

zuser20150710121644896

This is your man!!!!! My wife and i never would have thought it could possible for us to be home owners if we had not meet George. This guy did anything and everything to get us approved for your home. If you are looking for a great famly man to help you get the home you want look not further you have found your man.

lwalk707

I was very happy with the choice I made by working with George. The entire process from start to finish went like clock work. Every question I asked was followed up quickly and very professionally. My family and I are now in a beautiful home and are very happy. Great choice and great staff.

jvsweet466

Recently refinanced with George Munoz and his team. George was able to get me approved and he walked me through every step and reassuring me along the way. I can't tell you how grateful I am for his knowledge and overwhelming support and his tenacity in getting this loan approved. I would highly recommend George Munoz and his team for your mortgage needs.

navchick4u

 I had an outstanding experience working with (George Munoz ) throughout the home loan process. From day one, they were knowledgeable, professional, and incredibly responsive to all my questions. Buying a home can be stressful, but (George) made it smooth and manageable with clear communication and constant updates. They took the time to explain every step, offered great advice, and worked tirelessly to ensure everything stayed on track and closed on time. I truly felt like they had my best interests at heart the whole way through. Thanks to [George], I’m now in my new home and couldn’t be happier. I highly recommend them to anyone looking for a reliable, experienced, and caring loan officer!

rohullah g

George is the best person for the job. He went so far above and beyond to help us get into our dream home.

Zack S

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

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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.
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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.
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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

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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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