Your   homeownership journey starts here

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

Professional portrait of Jeff Motes, financial expert at Preferred Rate.
Jeff Motes, a trusted financial advisor at Preferred Rate, specializes in mortgage and loan solutions.
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: #1639290

Jeff Motes

Mortgage Advisor

By offering clients in-house underwriting of traditional loans (VA, Conventional, FHA, USDA) and non-traditional loans (Bank Statement, DSCR, 1099, Asset Depletion) plus brokered mortgage loan options – my clients enjoy the flexibility of choosing the optimal loan type to purchase and refinance real estate in Texas and across the U.S.

Born and raised in South Texas and have made San Antonio my home since 1999 – it’s my mission to help clients make smart, savvy decisions on building wealth and financing real estate.

If you choose to work with me – I look forward to serving you well and becoming friends. and being a great resource for you.

Licensed in:

TX

Why work with me?

5.0/5 Rating

45 reviews

Real clients. Real results.

Working with Jeff and his team has been nothing short of amazing. He delivered on all aspects of our home purchase and was consistently prompt, professional, and reliable throughout the process.

Anthony G

Jeff Motes and his team did a great job helping me to decide on the right Loan at the right time for my house that just closed. He has so much knowledge and can assess the situation quickly and he was always very calm and informative to help me get all the docs in quickly. The process went very fast with just the right amount of automation and personal touch.

Michael M

Mr. Jeff Motes was amazing in helping us navigate this refinance transaction. Jeff truly understands the process and specifically helping us navigate the VA Loan process. As a veteran, we appreciate his honesty and integrity. James & Elaine Thomas

James T

Jeff was with us every step of the way throughout our loan process, from putting in extra work/paperwork to help us get the loan to taking the time to explain our options and breaking down what all the new (to us) finance terminology meant. He gave us friendly advice based on his expertise and kept us updated throughout the process. Jeff is very professional, genuinely kind, and extremely helpful. We are so grateful and look forward to working with him again in the future!

Jodi T

Jeff did a great job with the loan process. He was very prompt, communicated well and kept me in the loop the entire time. Service was excellent! Will definitely reach out to him for my next loan.

savi s

Made it a stress free process.

Cameron M

Jeff and his team did an amazing job at keeping us updated on our first time home buying process. He was very attentive to the questions we had and made the process feel like a breeze. We couldn’t be happier with the choice we made! I recommend his assistance to anyone looking into buying a home.

Corina O

Jeff Motes was very helpful and walked me thru the process to get my home loan. My questions were answered in a timely manner and his advice was very valuable. Highly recommend him as an RMLO.

Steve B

Jeff did an excellent job in the loan process. He made the process easy and simple to understand. As first time home buyer, I recommend y’all go with Jeff he’s an awesome guy. Thanks again Jeff!

Alexis Loza J

Very smooth, communication and availability was superb. Convenience throughout the entire process. Able to work everything on-line/ via app was great! Present a closing in the event we had questions and/or concerns was excellent!

Miguel P

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

$50k $2M+

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Not required (Down payment ≥ 20%)
Estimated Monthly Payment

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Principal & Interest Mortgge Loan
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Property Tax Estimated
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Home Insurance Estimated
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HOA & PMI Fees
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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.

Frequently asked
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next step?

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

  • Competitive rates
  • Expert support
  • Easy process