As a dedicated loan officer with over 5 years of experience, I am committed to helping clients navigate the complexities of the mortgage process with ease. My expertise spans from first-time homebuyers to seasoned investors, ensuring tailored solutions for each unique financial situation. With a focus on transparent communication and exceptional customer service, I strive to make every lending experience smooth and successful. Let’s work together to achieve your home financing goals.
We had a wonderful experience working with Tony for our home purchase. He was extremely helpful, always easy to reach, and answered all of our questions with patience and clarity. He made the entire process as smooth and stress-free as possible, which we truly appreciated as first-time buyers. His professionalism and dedication really stood out, and we are so grateful for all of his guidance. Highly recommend!
Jennifer T
Tony is the best. Nobody is more knowledgeable than him. Experience and expertise at its finest. Highly recommended.
Yoandy T
Quick close!!! Excellent service!!!! Always helpful and answering questions clearly so that we never felt lost. Made closing on the house a piece of cake! 100% recommend !!!!
Lindsey Marie P
I had the pleasure of working with Tony and Jessica at Preferred Rate, and I couldn’t be more impressed with their service and team! They managed to get my buyers closed and funded in just 10 days – an incredibly fast turnaround. Their professionalism, efficiency, and commitment to getting things done were exceptional. If you're looking for a reliable and quick lender, I highly recommend Tony and Jessica at Preferred Rate!
Cassandra Jean C
Buying a home sometimes can be a very frustrating and stressful experience. When we bought our 1st home a few years back it was a very long and exhausting process. This is the 2nd time that we purchased a home, and a friend recommended the Nunez Montoya Team. They have far exceeded our expectations. Tony and his staff worked non-stop to help us purchase our dream home. The whole process was simplified thanks to their knowledge and experience. They always stayed one step ahead of the game to meet the schedule thoughtout every task and paperwork needed to complete our application. Our family is extremely grateful to Tony, Jessica, Ricky and the entire NUNEZ MONTOYA TEAM I highly recommend them, they are great!
Ricardo S
The best 🤗
Mayra S
Tony and the team at American Pacific Mortgage were great! Highly recommended 10/10. From start to finish, a smooth transition for our first home.
Milton
All good, is a great team and work hard.
Manuel Porras G
As a Realtor, I work with a lot of lenders but Tony truly stood out. He handled every challenge with ease, stayed calm under pressure, and was incredibly transparent and responsive from start to finish. His passion for what he does shows in the way he treats clients and communicates with the entire team. He made my job easier, and I can’t wait to work with him and his team members Jessica and Ricky again
Yamilee B
Tony you are my hero. The other members of your team are awesome also. You delivered more than I expected. Yes. I will recommend you and your team. Let’s put Dottie and Yamilee and any one else that worked so hard to get me into this beautiful condo. I’m still waiting to see if this is a dream. No it’s not. It’s real. I have told all my friends about you and team. Thank you very much. ❤️
Stephanie A
Tony and his team were recommended to me by Yamilee. Yamilee was is Realtor. Tony and his team wasted no time in reviewing the file, to make sure the required documents are there and signed. They were able to determined what was missing and called, emailed, whatever it took for me to send the paperwork to them in a timely manner.
Stephanie A
Thanks for all your support and help , you’re a great team I recommend to everyone.
Iralis Reyes T
Tony was amazing! Even when we nearly walked away, he kept things calm and helped us close with a VA loan. He, Ricky, and Jessica were super professional and made a stressful process feel easy. Highly recommend.
Erena
Excellent service!! Quick and efficient - Tony and his team saved a deal within record time!! Definitely would recommend!!
Vivian Nicole D
Tony was extremely good
John G
Tony from Preferred Rate was an absolute lifesaver! We were in the middle of crunch time, dealing with a difficult seller who wanted to back out of the contract. Tony and his team were incredibly fast and efficient, getting my title commitment in just three days. They kept me updated every step of the way, making the entire process smooth and stress-free. I truly felt like I could trust them, and their professionalism gave me peace of mind. I can't express how grateful I am! If you're looking for someone reliable, call Tony Nunez at Preferred Rate—you won’t regret it!
Lillanis G
Tony Nunez at Preferred Rate was absolutely amazing! Initially, we went with TD Bank, but as the deadline for our commitment letter approached, they kept us in a nerve-wracking situation with delays and uncertainty. As a last resort, our title attorney recommended Tony Nunez, and I can confidently say it was the best decision we made.What TD Bank struggled to do in three weeks, Tony accomplished in just three days! He and his incredible team, Jessica Montoya and Jessica Franco, were on the ball, ensuring everything was in place for our closing—which was less than a week away. Their efficiency, professionalism, and dedication made what could have been an incredibly stressful process so much smoother.Before you go anywhere else, do yourself a favor and give these guys a chance. I only wish I had found them sooner—I could have saved myself so much unnecessary stress! Highly recommend!
Jose B
Tony is a dedicated professional who consistently delivers exceptional results. His attention to detail and commitment to excellence are unmatched, making him a valuable asset to any team. Tony’s ability to communicate effectively and solve complex problems is truly impressive, and I would highly recommend him for any transaction."
Miguel M
Tony and Jessica are amazing lenders. They work diligently and efficiently to close deals seamlessly. I would refer any client to them without hesitation.
Sherry L
I had a great experience working with Preferred Rate, “Tony Nunez “ during the closing of my recent real estate transaction. Their team was professional, efficient, and al ways available to answer any questions throughout the process. They made sure everything went smoothly and on time, ensuring an stress-free closing. I highly recommend Preferred Rate Mortgage Lender’s Tony Nunez to anyone looking for a reliable and knowledgeable mortgage team.
Sonia C
I highly recommend Tony Nunez and his team for all your mortgage loan needs. He really exceeded our expectations and led us step by step in our home buying process to ensure we would get the clear to close in no time. There is no such thing as a setback when you work with Tony. He’s patient and extremely knowledgeable in the field, always doing his best to guide you toward the loan that is right for you. Don’t wait, call Tony and his team today!
Isis M
Professional, friendly, flexible and available. Remembwr, Interest rates mainly based on the economy and much lesser extent fhe lender.
Abdelhai A
Great…….,……………..,,,,,,,……..,
Pierrot B
I can’t say enough great things about Tony Nunez and Jessica Montoya. As a realtor, I’ve worked with many lenders, but their level of professionalism, efficiency, and dedication is truly unmatched. They got my clients a clear to close in just 12 days, which is practically unheard of! From start to finish, their communication was seamless, and they made the entire process smooth and stress-free. They went above and beyond to ensure everything moved quickly, and I couldn’t have asked for a better team to work with. If you’re looking for top-notch mortgage professionals, Tony and Jessica are the ones to trust! Highly recommend their expertise to any individual!
Ricky L
Working with Tony and Jessica has been a fantastic experience. They’re knowledgeable, responsive, and truly goes the extra mile to ensure a smooth lending process. Their expertise and professionalism make every transaction seamless, and I appreciate their dedication to getting the best results. I highly recommend them to anyone looking for a top-notch real estate lender!
Rodrigo M
100 % Recommend!! Thanks to Tony and his team I was able to buy my House. 100% reliable, they are very responsible and professional in their work. They do an exceptional job. We are very satisfied and grateful for their services.
Adalys R
Thank you Núñez Montoya team from Preferred Rate! You were very helpful in every step .Your great attitude and patience make this process easier.
ME G
Realmente tuve la mejor de las experiencias con usted y si equipo desde el minuto 1
Naylin Hernandez M
Jose guided me through the process every step of the way.
Alejandro T
An excellent lending group! Always available, very patient with clients, and great at explaining everything clearly. No surprises, just a smooth process.
Mercy Leanne M
I have worked with Tony and his team now on 4 loans for different clients. As a former long time mortgage broker myself I don't recommend a lender easily and I look for the obvious, that they know their loan products but with Tony and his team you get someone who knows his products and knows how to get them to closing... A get the job done lender! So I highly recommend working with them!
Pedro G
We have consistently found this individual to be both personable and highly communicative, demonstrating a level of professionalism that is truly exceptional. Their unwavering commitment to prioritizing client needs is greatly valued and appreciated.
Roberto Carballo J
They were excellent! They really are a great team! I will definitely recommend them to friends and family
Sara S
Tony was super helpful and patient with all our questions. He got us a good rate and he gave us very useful advise during all the process. He was in permanent communication with our realtor and was on top on all the details to be sure to do the closing in time.
I would recommend him 100%
Marta A
Excellent service, great communication, and above all, they guided us and helped us find the best solution as first-time buyers! Thank you so much! Thank you both, Jessica and Tony !
Gloria B
Jose guided me through the process every step of the way.
Alejandro T
We had a wonderful experience working with Tony for our home purchase. He was extremely helpful, always easy to reach, and answered all of our questions with patience and clarity. He made the entire process as smooth and stress-free as possible, which we truly appreciated as first-time buyers. His professionalism and dedication really stood out, and we are so grateful for all of his guidance. Highly recommend!
Jennifer T
Tony is the best. Nobody is more knowledgeable than him. Experience and expertise at its finest. Highly recommended.
Yoandy T
Loan Programs
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
A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program
Featured
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Conventional Loans
Featured
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
Supporting veterans and families with VA home loan options and resources.
VA Loans
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
Happy couple discussing FHA loan options at home.
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
A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Two workers in safety helmets working on a construction site, focusing on woodwork and project progress.
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
A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders | Nurses | Teacher Loans
Aerial view of a new residential property in a friendly neighborhood.
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?
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?
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.