Your   homeownership journey starts here

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

Joan Krestley Villavicencio smiling, professional headshot for financial services.
Professional headshot of Joan Krestley Villavicencio, highlighting her expertise in financial consulting.
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: #1829515

Joan Krestley Spring

Mortgage Advisor

Joan Closes Loans – Nationwide Funding with a Local Lender Attitude. Got questions? I’ve got the answers. I pride myself in making the home buying process as smooth and painless as possible for my clients and realtors alike. I give solid pre-approvals and I am pro-active with any documentation requirements. I work with an outstanding operations team that ensures smooth closings for all.

Licensed in:

FL and GA

Why work with me?

5.0/5 Rating

25 reviews

Real clients. Real results.

Joan and her team are fantastic to work with. Very professional, efficient and quick to respond to any communication. I would definitely recommend her and her team. 

Kelly B

You were the best. You waited for the right time to hold my rate. everything went smooth.

Ronald H

Fist time buyers so it was an interesting Joan made the experience a lot easier for us and was very nice and helpful thank you.

Elias B

Joan is very knowledgeable and helpful. She explained everything clearly and was always available to answer my questions.

Cathleen C

When I first reached out to Joan, I had no idea that just three months later I’d be writing this review from my new home! From my very first questions about pre-approval all the way through closing, Joan and her team were incredible. As a first-time homebuyer, I had plenty of questions and Joan not only answered every single one, but also made sure I was always prepared for the next steps.Thanks to her guidance and communication, our home-buying process was smoother than we could have ever imagined. Everything went perfectly and we went from offer to closing in just three weeks! We’re so grateful to have worked with Joan and can’t recommend her enough for any lending needs.

Amberley R

Joan is the best lender to work with. she always answers my questions and phone calls. If you are looking for the right lender, she is the one.

Jose De l

I recommend that you see Joan for all your financial needs. She’s professional and doesn’t waste your time. I’m very happy.

Mario F

Super grateful to Joan and her entire team. They kept us up to date with the entire process and addressed all concerns in a timely manner. Would definitely do business in the future.

Jessica R

Estoy aún sorprendido de la eficacia del grupo de trabajo fue sobresaliente . Gente muy profesional

Jesus Amaya O

Big thank you to my broker Joan 🙏From start to finish, you made everything smooth, clear, and stress-free. Your professionalism, communication, and dedication really stood out every step of the way.I truly appreciate your hard work and support — couldn’t have done it without you. Looking forward to more deals together 🤝🔥

Jorge C

I had a great experience working with Joan throughout the home buying process. She was very involved from start to finish and made sure I stayed on track the entire time. Joan worked with me daily, helping me understand everything and always following up on my questions especially around interest rates and different scenarios. She took the time to break things down in a way that made sense to me, going through each individual cost so I knew exactly what I was paying for and why. She was also in constant communication with my title company and realtor, checking in on deadlines and even forwarding emails I may have missed. That really helped keep everything moving and made sure nothing slipped through the cracks. Overall, she was very helpful, responsive, and easy to work with. She made a stressful process feel a lot more manageable and was always there to answer my questions. I’d definitely recommend Joan to anyone looking for a lender who stays involved and keeps things moving. Gracias Joan!

Jasson T

Joan es una mujer maravillosa en ayudarte con el financiamiento de tú morgage. Es muy aplicada y muy generosa en el proceso te explica muy bien cada pregunta que tiene. Lo mejor es que ella como tu financista te accesora muy bien con los numeros y te ayuda aplicar cada beneficio para no perder ningún dolar. Fue una experiencia muy buena estoy súper agradecido con Joan fue la ayuda que jamas pense tener en el preceso. Y gracias a ella logre mi sueño realidad en ser comprador de mi primer casa 😊🙏🏽

Staling R

La mejor experiencia para primer comprador. Las mejores atenciones y muy paciente.

Staling R

She and her team are highly professional; throughout the entire process, they were diligent and attentive. She and her team find ways to see things through to the very end!!!!

Victor S

Joan is an absolute saint to work with and helped not only expedite the process but also to explain everything along the way. Would recommend her to everyone for all their loan needs!

Amber L

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.

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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
questions

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