Preferred Rate logo representing financial services and trusted rates.
The Preferred Rate logo showcasing trusted financial solutions for consumers and businesses.

Your   homeownership journey starts here

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

Professional headshot of Ricardo Diaz for financial services and mortgage solutions.
Ricardo Diaz, a trusted mortgage and financial expert at Preferred Rate, providing personalized 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: #325871

Ricardo Jose Diaz

Branch Manager

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:

FL

Why work with me?

5.0/5 Rating

49 reviews

Real clients. Real results.

I recently purchased a home and Ricardo was my loan officer. The transaction went very smooth and Ricardo was there to help all the way until the end. He answered our questions, and guide us thru the whole process. He is responsive, always answered the phone and/or called back in a timely manner, professional, knowledgeable, problem solving, fast response, and also very kind. I totally recommend him if you are thinking of buying a home. My experience was GREAT! Thank you Ricardo!

Malvys M

I recently purchased a home and Ricardo was my loan officer. The transaction went very smooth and Ricardo was there to help all the way until the end. He answered our questions, and guide us thru the whole process. He is responsive, always answered the phone and/or called back in a timely manner, professional, knowledgeable, problem solving, fast response, and also very kind. I totally recommend him if you are thinking of buying a home. My experience was GREAT! Thank you Ricardo!

Malvys M

I recently purchased a home and Ricardo was my loan officer. The transaction went very smooth and Ricardo was there to help all the way until the end. He answered our questions, and guide us thru the whole process. He is responsive, always answered the phone and/or called back in a timely manner, professional, knowledgeable, problem solving, fast response, and also very kind. I totally recommend him if you are thinking of buying a home. My experience was GREAT! Thank you Ricardo!

Malvys M

Thank you for being patient with us. I am so happy about my new home. Made the process easy.

Marilyn Torres R

I fully recommend Ricardo Diaz, he is professional person he helped us a lot from the beginning to the closing of our new house.

María m

Great job the teams working good very well

Micheline G

Working with Ricardo was an absolute delight! Right from our initial email exchange, he showcased exceptional responsiveness. Whenever I had a question, his lightning-fast replies put my mind at ease. His commitment to returning my calls within 24 hours, coupled with his unwavering patience in guiding us through the lending process, made our experience truly outstanding. We can’t recommend his services enough – Ricardo is a true lending superstar!

Hernan P

Working with Ricardo was an absolute delight! Right from our initial email exchange, he showcased exceptional responsiveness. Whenever I had a question, his lightning-fast replies put my mind at ease. His commitment to returning my calls within 24 hours, coupled with his unwavering patience in guiding us through the lending process, made our experience truly outstanding. We can’t recommend his services enough – Ricardo is a true lending superstar!

Hernan P

It was a pleasure to work with Ricardo. He did everything in his hands to help me get my house deal closed. I didn't have any issues with him, was very responsive, even after hours. I would recommend him to anyone looking to purchase a home.

Lisandra

It was a pleasure to work with Ricardo. He did everything in his hands to help me get my house deal closed. I didn't have any issues with him, was very responsive, even after hours. I would recommend him to anyone looking to purchase a home.

Lisandra

Professional/Gentle/Patient/kind, tremendous person I recommend 100%

Amy R

Professional/Gentle/Patient/kind, tremendous person I recommend 100%

Miguel G

Súper excelente fue una grata experiencia es el mejor

Carlos Valbuena A

"Mr Diaz is very prompt to respond to questions and issues."I have a rental portfolio that various lender don't have the right package for me or none at all.Hamilton home loan with the assistance of Mr Ricardo Diaz put something together .He listened to me , and based on my needs, possibilities, and my situation, he structured the most efficient and effective funding option for me .

Carlos

"Mr Diaz is very prompt to respond to questions and issues."I have a rental portfolio that various lender don't have the right package for me or none at all.Hamilton home loan with the assistance of Mr Ricardo Diaz put something together .He listened to me , and based on my needs, possibilities, and my situation, he structured the most efficient and effective funding option for me .

Carlos

Couldn't be happier with the services. Got everything handled professionally and without issues. 20/10 service

Betfoyet C

Excellent professionalism.

Alberquis C

El Sr. Ricardo Diaz un excelente profesional en su campo. Siempre atento a la necesidad del cliente. Si necesitas a un Leander lo recomiendo al 100%, no te arrepentirás. Su servicio es extraordinario.

Dayanara V

Both times working with Ricardo were stress free. He took his time to explain everything and once the requested information was submitted, the process went smoothly and 30 day deadline was met. Highly recommended

Lisa G

Loan Programs

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

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
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
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
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
Buydown mortgage rates with temporary payment reductions.
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
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
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
FHA loan approval process with Preferred Rate for homebuyers.
Happy couple discussing FHA loan options at home.
FHA Loans
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
Affordable community lending options for homebuyers.
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
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
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
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
Senior couple exploring reverse mortgage options on laptop.
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
USDA loan approval process for rural home financing.
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA 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
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
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

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
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
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
Preferred Rate Pathway DPA Program interior design.
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Secure lock program for home safety and security.
Beautiful blue house featuring a secure lock program for enhanced home safety.
Secure Lock Program
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

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.
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 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
questions

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next step?

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  • Competitive rates
  • Expert support
  • Easy process