Your   homeownership journey starts here

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

Portrait of Peggy Ann Valley, smiling woman with blonde hair.
Peggy Ann Valley, featured on Preferred Rate, showcasing her professional and friendly demeanor.
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: #221369 | DRE# 01000599

Peggy Ann Valley

Sr. Mortgage Advisor

Your mortgage is personal, and I understand that. Whether you’re looking to buy, build, or refinance your home, our experienced mortgage professionals are here to help. Here at Preferred Rate, we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Plus, as a mortgage professional, I am dedicated to finding the right loan with great rates, terms and costs to meet your specific needs. Financing a home is one of the most significant commitments you will ever make – let me guide you throughout the entire loan process from application to closing and beyond. I look forward to putting our mortgage service to work for you!

Licensed in:

CA

Why work with me?

5.0/5 Rating

13 reviews

Real clients. Real results.

My wife and I had a great experience with Preferred Rate. We were pre-approved through a different company and Peggy from Preferred Rate was able to get us a better deal. We cannot thank her enough! You won't regret going with Preferred Rate!

Curtis S

My wife and I had a great experience with Preferred Rate. We were pre-approved through a different company and Peggy from Preferred Rate was able to get us a better deal. We cannot thank her enough! You won't regret going with Preferred Rate!

Curtis S

My wife and I had a great experience with Preferred Rate. We were pre-approved through a different company and Peggy from Preferred Rate was able to get us a better deal. We cannot thank her enough! You won't regret going with Preferred Rate!

Curtis S

My wife and I had a great experience with Preferred Rate. We were pre-approved through a different company and Peggy from Preferred Rate was able to get us a better deal. We cannot thank her enough! You won't regret going with Preferred Rate!

Curtis S

My wife and I had a great experience with Preferred Rate. We were pre-approved through a different company and Peggy from Preferred Rate was able to get us a better deal. We cannot thank her enough! You won't regret going with Preferred Rate!

Curtis S

Great experience with Peggy. Alot of helpful tips for securing a great loan.

James P

Thanks to Peggy Ann Valley at Preferred Rate, my fiancé and I were able to purchase our new home!! Peggy did an incredible job helping us gather all documents and information needed for us to be ready to buy as soon as we found a home we loved. In such a competitive market, Peggy’s proactiveness and attentiveness allowed us to be steps ahead of those interested in the same home. We are so grateful that she took the time to fully explain and aid us step by step through the home buying process. Ultimately, she made the difference in us being able to receive an acceptance for our offer so quickly and seamlessly.

Gabriella G

Great experience, Peggy got it done I would recommend anyone to her.

Jack Y

They made it possible for my family and i to purchase a home.

Legacy I

Thanks to Peggy Ann Valley at Preferred Rate, my fiancé and I were able to purchase our new home!! Peggy did an incredible job helping us gather all documents and information needed for us to be ready to buy as soon as we found a home we loved. In such a competitive market, Peggy’s proactiveness and attentiveness allowed us to be steps ahead of those interested in the same home. We are so grateful that she took the time to fully explain and aid us step by step through the home buying process. Ultimately, she made the difference in us being able to receive an acceptance for our offer so quickly and seamlessly.

Gabriella G

Peggy Ann is 10+ stars with over- the-top superior service! Peggy Ann provides exemplary service and I would definitely recommend her mortgage services to anyone financing or re-financing their real estate property.Thank you Peggy Ann…you ROCK!!Sincerely,Leslie Wu

Lorraine W

Peggy is super easy to deal with and makes The process simple I will be recommending her to everyone right now thanks again Peggy for a great experience

Mark P

Awesome. Peggy was great to work with and stayed on top of the whole process.

Stephen O

Peggy. By far is the most knowledgeable loan agent in the business. Sit back and lessen and she will drive your loan home.

David M

Recommending someone for such a significant transaction is not something I take lightly. That being said, I can wholeheartedly recommend Peggy Ann because she is very experienced, knowledgeable and professional. You aren't just a transaction to her. She is warm, engaging and truly cares about her clients. Perhaps the best aspect of working with Peggy Ann is the fact that you are always going to get the truth, be it good or bad. Honestly, instead of placating a client is not something most people encounter in the mortgage market. Because of this, we would use her if the need arose again, and recommend her to anyone!Personally, she helped us on a very challenging transaction due to the nature of the property and was able to close the deal when most others probably couldn't have. She made our dreams come true and for that we will always be thankful to her for.

user8261376

My wife and I had a great experience with Preferred Rate. We were pre-approved through a different company and Peggy from Preferred Rate was able to get us a better deal. We cannot thank her enough! You won't regret going with Preferred Rate!

Curtis S

Loan Programs

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1% Home Loan Program

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Man reviewing mortgage options on his phone in a cozy living room setting.
Conventional Loans

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Down Payment Assistance (DPA)

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Home Renovation
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HELOC Loans
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Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
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Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
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Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
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Supporting veterans and families with VA home loan options and resources.
VA Loans
Construction financing solutions for building your dream home or project. Expert guidance for seamle.
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Construction Financing
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FHA Loans
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A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Affordable community lending options for homebuyers.
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
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Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
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A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders – Nurses – Teacher Loans
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A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
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Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
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A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
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Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
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
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DSCR Loans (Investment Loans)

Featured

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Expanded Credit Loans
Expanded Income Loans for Home Improvements.
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Expanded Income Loans
Loan options for international clients seeking financial solutions.
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Loans for Foreign Nationals
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Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
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Pathway DPA Program
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Secure Lock Program
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A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
Seller PreLock 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.

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 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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