Your   homeownership journey starts here

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

Professional portrait of Rubel Goitia in a blue suit for financial services.
Rubel Goitia, a financial expert, in a professional headshot representing trusted financial solutions at Preferred Rate.
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: #1521041

Rubel Goitia

Mortgage Advisor

A fully bilingual mortgage loan professional with more than 15 years of experience in the housing and banking industry, Rubel is a true specialist on mortgage lending. Due to his previous mortgage processing experience, he sees things that other industry professionals may overlook, allowing him to help hundreds of homeowners purchase and refinance their primary, investment or second homes. Rubel is passionate about finding the best financing solutions for his clients, no matter how complex, because helping his clients achieve the dream of home ownership is what motivates him the most.
To ensure his customers feel comfortable and at ease with the entire home mortgage process, he works closely with each one from the application to the closing.
In the mist of loving his career in mortgage lending, Rubel also enjoys kayaking and fishing and most of all, spending time with family and friends.
Home buying can sometimes be a stressful process, but not if you are in the hands of a true caring professional like Rubel.

Licensed in:

FL

Why work with me?

5.0/5 Rating

49 reviews

Real clients. Real results.

Honestly, I’ve had several transactions with Rubel, and he’s an excellent person very professional and highly efficient throughout the entire process.He consistently exceeds expectations, and I’m truly grateful for all his support.I highly recommend him!

Cristina Osorio N

Sin dudas el mejor 100% Se los recomiendo excelente equipo de trabajo todo al detalle yo puse toda mi confianza en él y tuve muy buen resultado 👍🙏

Raudel Y

No existe mejor lugar a donde acudir cuando deseas comprar tu casa que con estas personas Super profesionales me atrevo a decir que lo que nadie pueden lograr ellos porque lo vivimos nosotros los súper recomiendo

Raudel Y

I had the absolute pleasure of working with Rubel as our mortgage loan officer, and I can confidently say he exceeded all expectations. From start to finish, Rubel was the epitome of professionalism—reliable, knowledgeable, and always ahead of the process. He handled every step with precision and care, ensuring we were well-informed and supported throughout.What truly sets Rubel apart is not only his expertise but his genuine kindness and commitment to his clients. He made what can often be a stressful experience feel seamless and straightforward. His communication was always clear, timely, and reassuring, which made all the difference.If you’re looking for someone trustworthy, competent, and compassionate in the mortgage world, Rubel is the person you want on your team. I would highly recommend him without hesitation.

Gwendolyn F A

Rubel has been an absolute legend and helped us through every step of our home buying process. He was always available for questions or concerns and made the daunting task of purchasing our first home manageable and easy. If we ever find ourselves in the market again, I know exactly who to call! I could not recommend Rubel and his team more and 5 stars does not feel like enough.

David F

My experience with rubel is very professional in his work and thank you very much for all your help very good work

Mavis Benitez T

Muy satisfechos con el trabajo y las anclas de ayudar al coiente . Lo recomiendo siempre . La famila izquierdo Relova está muy satisfecha . Gracias

Maricela Izquierdo H

I had an excellent experience working with Rubel . From the very beginning, he was professional, responsive, and attentive to my needs. He made the entire lending process seamless and stress-free, taking the time to explain all the details and answer my questions. I always felt supported and informed throughout the process. I truly appreciated his transparency and commitment to ensuring I was getting the best deal possible. Highly recommend! 

Lianet E

Trabajar con Rubel Goitia fue una experiencia excepcional para mi esposa y para mi.Fue profesional, transparente y siempre estuvo disponible para responder mis dudas, guiándome en cada paso del proceso. Gracias a su dedicación, obtuve una excelente tasa de interés y cerré la compra de mi casa sin contratiempos. Lo recomiendo totalmente a quien busque financiamiento confiable y eficiente.

Ale S

Trabajar con Rubel Goitia fue una experiencia excepcional para mi esposa y para mi.Fue profesional, transparente y siempre estuvo disponible para responder mis dudas, guiándome en cada paso del proceso. Gracias a su dedicación, obtuve una excelente tasa de interés y cerré la compra de mi casa sin contratiempos. Lo recomiendo totalmente a quien busque financiamiento confiable y eficiente.

Ale S

Very happy with Rubel and our home financing journey. He made the process very smooth and stress free. I would definitely recommend him to anyone looking to purchase a home.

Sabrina D

Muy agradecido y complacido con el servicio y la atención que nos prestaron. Un equipo muy amable y profesional.

Carlos Abascal R

Super grateful for your work and professionalism

Nayvi Ramirez G

Super grateful for your work and professionalism

Richard De Armas R

Rubel was very instrumental in all my transition of purchasing my first home 

Juan R

Well worth working with you

Juan R

Amazing service! Rubel was with us every step of the way and answered every question promptly. I highly recommend their services and I recommend you use Rubel as your loan officer!

Williams R

Muy profesional Sr. Rubel Goitia

Casanova De C

Just simple the best of the best ,highly recommend it.

humberto t

Muy bonita experiencia,muy profesional

Lianet E

Rubel made our first home a reality for us! We had support and guidance throughout our whole home journey and we’re extremely grateful!

Sky L

Rubel was very helpful since the beginning true the end of the process even after closing he is always fallowing up to see how are we doing. Recommended 100%

Guillermo L

Muy buena experiencia. Agradezco todo el trabajo organizado y la ayuda que nos ofrecieron. Estamos muy contentos con nuestra casa gracias a su profesionalismo y trabajo.

Orlando Llerena F

The best experience everRecommend 💯 %

Dayli Rodriguez G

Perfecta atención y comunicación en todo momento

Charlie E

Excellent experience

Reinel Cardoso S

Great job!

Angel Gonzalez G

EXCELLENT SERVICE AND PROFESSIONALISM, 100% RECOMMENDED

Ana Ruiz R

The best thanks for everything I am so happy

Michelandy P

Congratulations you have done a great work!

Joel Caruso R

Rubel is a great professional with excellent knowledge. He had the patience to take care of my process to the end (with all my doubts and questions). I recommend Rubel because he takes care of your needs and he is honest, a value that really makes a difference!

Marielis Pernia G

Excelente servicio y profesionalismo . Muy diligente en todo el proceso 200% recomendado

Carlos Escobar H

Rubel was extremely helpful throughout the entire process. Any questions we had were promptly answered and kept constant communication with us.

Pedro Medina S

It was a great experience, thank you for your help, I am so happy at my new home.

Eliana E

Excellent and professional work

Francisco D

Excellent job

Betsie R

Rubel was amazing!!! I had a fantastic experience working with him. He was incredibly helpful throughout the entire process and went above and beyond to ensure my satisfaction. From start to finish, his professionalism and expertise were evident, making the journey seamless and stress-free. His knowledge of the market and attention to detail were remarkable, leading me to find the perfect home. I am truly pleased with their service and would highly recommend them to anyone in need of a reliable and dedicated Mortgage Advisor.

Estrella Quevedo L

muy agradecida de que me hayan ayudado en todo mi proceso deComprar mi casa estoy muy contenta gracias a todos

Christi F

I had the pleasure of working with Rubel and his team on the process of buying my first home. The process was incredibly easy and fast. Everything was so simple. I recommend them 100%. I'm already living in my new house and I still can't believe it. Thank you so much for making my dream come true. Forever grateful.

Ana S

Rubel is more than just a service provider; he is a true advisor. Thanks to his expertise, I clearly understood my options and selected the best mortgage criteria for my needs. Loan processing can be overwhelming, but Rubel’s patience made it easy. Thank you!"

Wafaa El D

I strongly recommend the Rubel Goitia services and his team.Their attention, patience, and time were just great.Thank you so much

Wafaa El Dehne El H

Quiero expresar mi total satisfacción con el servicio recibido. Desde el primer momento, la atención fue excelente, profesional y muy amable. El personal demostró gran compromiso, disposición y eficiencia para atender mis necesidades, lo que hizo que la experiencia fuera muy agradable.El servicio superó mis expectativas tanto por la calidad como por la rapidez, y se nota el esfuerzo por brindar un trato respetuoso y personalizado. Sin duda, recomiendo este lugar/servicio a quienes buscan calidad, confianza y buen trato.Agradezco sinceramente la dedicación y el excelente trabajo realizado. ¡Muchas gracias!

Yamile De la cruz M

Rubel was great to work with, he ensured a smooth process and was able to close us a week earlier than expected! Very efficient and professional. Thank you Rubel!

Jordi A

Rubel is the best , very professional 

Carlos E

You went above and beyond. Thank you for the patience, all the time dedicated to us, to find us the best deal and be always willing to help us. You help us with everything even with realtor, the painter of the house, the handyman, the gardener, great experience. God bless you man!

Yoslemy Q

Excellent! From the beginning of the application, as we looked at all the options, Rubel was very clear & patient, explaining the options and guiding us to the best decision. Many thanks,

Juan Q

Un gusto haber confiado en este Funcionario que lleva su conocimiento a otros niveles. Excelente en su gestión, gracias Rubel por su profesionalismo y dedicación donde lo intangible ha sido bien apreciado y alta mente valorado. Le deseo existo en su trabajo y cuando toque mi siguiente compra no dudaré en contactarlo nuevamente.

Guille

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.
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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.
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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 Loan Calculator

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