Sr. Mortgage Advisor

Laura R. Miller

Sr. Mortgage Advisor NMLS# 455116 Licensed in CA

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(707) 326-9831 laura@preferredrate.com

2620 Lakeville Highway, Suite 330
Petaluma CA 92101
Branch License #1961985

About Laura R. Miller

Your mortgage is personal, and I understand that

Laura has been a trusted, established local lending professional here in the Napa Valley for 30 years. She has received numerous honors and awards throughout her career for performance and outstanding customer service. Laura is a Napa native, attended Napa schools, and graduated from California State University in Chico, CA. Laura knows the Napa community and is an active part of it. She is the mother of two daughters and is an active parent in their school and sports communities. Laura is also a member of the Napa Chapter of the North Bay Association of Realtors and advocates for improving food quality served to children in Napa schools. Laura is a devoted fan of the San Francisco Giants baseball team and attends as many games as possible. Working at Preferred Rate, as a home financial expert, Laura always puts her client's interest first. She is particularly experienced in structuring loans for first-time buyers, investors, vacation home buyers, and Napa Valley luxury home buyers. Helping others obtain and maintain Homeownership is Laura’s professional passion.

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We keep the mortgage process easy

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.

  • Step 1 Connect with a Loan Expert

  • Step 2 Get Pre-Approved

  • Step 3 Make Offers

  • Step 4 Lock in your Preferred Rate

  • Step 5 Move in to your new home

  • Step 1 Connect with a Loan Expert

  • Step 2 Lock in your Preferred Rate

  • Step 3 Get your new loan approved!

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Home Loans

  • Fixed-rate Mortgages
  • Adjustable-rate Mortgages
  • Interest-only Loans
  • Jumbo Loans
  • FHA
  • VA Loans
  • USDA Loans
  • Reverse Mortgages

Speciality Products

  • Keys On Time Program
  • Secure Lock Program
  • Jumbo Investor Loan Programs
  • Peak Loan Program
  • High Balance Solutions
  • Jumbo Solutions
  • Home Ready
  • Home Possible Advantage
  • STaR Program for First-Responders
  • Doctor Program for Medical Professionals
  • Manufactured Housing Loans

See what Laura's clients have to say

Lauren S

A close friend referred me to Laura and I couldn't be happier with my experience. As a first time home buyer, I really appreciated her guiding me through the overwhelming world of mortgage loans...because going in, I knew next to nothing! Laura was endlessly patient and once I found my home, she kept me in the loop at every turn. There were a few hiccups during the underwriting process (which had absolutely nothing to do with Laura and her fantastic team), but Laura really fought for me every step of the way. I felt so comfortable knowing that she was looking out for me and my best interests. Highly recommend! ... Read More

Aug 31, 2022

Hayley H

Laura is fantastic. She has walked my husband and I through all of the paperwork and nitty gritty details that go into buying a home. We trust her advice and opinion and know she has our best interest at heart… hard to say for some lenders! We will work with Laura in the future and highly recommend her! ... Read More

Apr 17, 2022

Pierce M

Laura was absolutely amazing to work with. My wife and I tried to buy a home last year, but it didn't end up working out. Not only did she help give honest advice originally, but stuck with us for the entire year as we continued to rent and house hunt. Being a first-time home buyers she helped us understand the process and walked us through everything so we felt comfortable in purchasing. Honestly, we couldn't imagine a better experience, and my wife and I will only work with Laura for any future mortgage needs. ... Read More

Apr 15, 2022

Emily

Laura was amazing! As nervous, excited and antsy first time homebuyers with a private sale (no agent!) we had a lot of questions and were very eager throughout the whole process. Laura kept us in the loop the entire time, helped us understand what to expect next and had no problem answering our questions and even helping settle our worries after hours. She was very thorough and her entire team was on top of their game. She made it all so easy! ... Read More

Mar 13, 2022

Mary A

Laura Miller is very knowledgeable and professional. I definitely recommend her.

Nov 25, 2021

Karla H

Laura is an exceptional mortgage broker. She is thorough, professional, guides you throughout the process and is excellent at keeping you up to date. This is our third refinance with her and would strongly recommend her. Thank you Laura! ... Read More

Sep 22, 2021

Brian H

We came to Laura after having challenges using a different lender. Our scenario had very short timelines and Laura did everything she could to beat them. She is very communicative and kept us updated all along the way. I highly recommend using Laura and DelSur Mortgage. ... Read More

Sep 03, 2021

Brian H

We gave Laura a challenging scenario with a very tight timeline. She beat our expectations and got us to close on time. She is excellent at communicating and keeping you updated along the way. She navigated some challenges we had with expert guidance. We highly recommend Laura and her team at Del Sur Mortgage. ... Read More

Sep 03, 2021

Steven P

Laura was very helpful and guided us through the process with good information and was clear about what our options were. I would definitely recommend her/your services to others that are trying to refinance.

Aug 26, 2021

equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2022 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

Licensed by the Dept. of Business Oversight under the CRMLA.

Licensed as Preferred Rate in AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in NV. AZ Corp BK 1014819. CA DRE #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 2941/164. Licensed under the Oregon Consumer Finance Act.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – Residential Mortgage Banking | 100 West Randolph St, 9th Floor | Chicago, Illinois 60601 | (844)768-1713

Licensed by the Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department." (Source: P.A. 101-657, eff. 3-23-21.)

Licensed by the Dept of Financial Protection and Innovation under the CRMLA.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV