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!
It was a pleasure working with Thomas. As a Realtor, I truly appreciated his professionalism, communication, and commitment to getting things done on time. The process was smooth and faster than expected, to ensure we closed under the best possible terms. Highly recommended!
Heidy B
Thomas was not only professional and super efficient, he was also a true pleasure to work with, an authentic ‘nice guy’! We would definitely recommend him to anyone looking for a mortgage.
Lynda C
Excellent work and communication when we work with Thomas Reyes
Yoel F
As first-time homebuyers, we honestly had no idea what we were doing, but Thomas made the process so much less intimidating. He explained everything in a way that was easy to understand and walked us through each step all the way up to closing. We were calling him with a million questions and he had an answer for every single one. Even after we got the keys, he was still there to help answer questions and make sure we felt supported. He was always on top of everything along with keeping us updated all throughout the entire process, multiple phone calls/texts making sure we were never left in the dark. We’re so grateful for how patient, clear, and kind he was from the start. Thank you again Thomas, you really helped turn our dream of buying a house for our family into a reality!
Justin R
Extremadamente satisfecha con el servicio y resultado final. Excelente comunicación, explica todo detalladamente y te ofrece esa seguridad de que todo va a ser como esperas o mejor. 100 % recomendable!
Rosa P
Beyond my expectations, he was very kind and explained every step with detail making me feel secure with his work always looking for my benefit. Our family was bless to have you working very hard to get our dream come true. Best regards Alvarez's Family.
Rosa P
Yago and I are so grateful for Thomas! He guided us through the entire process of getting our home loan with kindness and professionalism. He was always patient, took the time to explain every step, and answered all of our questions—no matter how big or small. Thanks to his support, we can now proudly say that we have a home for us and our little princess. This has been a dream come true, and we truly appreciate everything Thomas did to help make it happen. Highly recommend him to anyone looking for someone trustworthy and knowledgeable!
Irmita M
He was great. Very attentive answered all questions and was available at any time. I highly recommend him.
Elsie N
What an AWESOME experience Thomas Reyes and his knowledgeable experience made this a very smooth and quick transaction answered all questions and goes the extra mile i will most definitely recommend Mr.Thomas Reyes in your journey to obtaining your new mortgage loan.
Luis S
I can't say enough good things about Thomas. He was incredible in helping us get a loan for our new home. From start to finish, he made the process super easy and stress free. He explained everything about the loan in a way that made sense, even to someone like me who doesn't know much about home loans. He worked hard to find the best loan options for us and kept us updated every step of the way. Anytime we had questions, he was quick to answer and always super helpful. Thanks to his hard work, we are now in a new home that we love and we couldn't be happier If you need someone who's reliable, friendly, and really knows their stuff, I highly recommend Thomas
Kira C
Thomas worked day and night helping us and guiding us through the entire process. He was kind, honest and communication was never an issue. You rock Thomas !!! I will forever be thankful for all your hard work and helping us find our way Home.
Samary B
Thomas has went above and beyond to make this process as smooth and efficient as possible. Every question and concern was addressed. His communication is amazing and his ability to make sure I was at ease going into the process was mind blowing! From the day I said yes to the house to the day I received my clearance to close it took 9 days! The best part is that in less than 2 months he has helped both my mother and I get our homes. It doesn’t get any better than that! Thank you Thomas!
Katie C
Trabajamos con un excelente equipo de trabajo Toda duda aclarada rápidamente El proceso muy fluido sin tanto estrés Tiempo en el proceso como lo establecido desde el comienzo
Katty Z
Top Notch service! My family and I are thrilled and very excited about our new home, Thomas and his team made it happen for us. We thank God for putting such great experienced, extraordinary loan offer like Thomas in our paths. They work diligently fast, great communicators, helpful and very professional. I look forward to work with him in the future. I highly recommend him and his team to anyone.
Yveline A
Outstanding service ! My family and I were blessed to have Thomas Reyes as our Loan Officer. Services was excellent throughout the entire mortgage loan process. His communication skills was great. His team went above and beyond. I highly recommend him to anyone. Thomas God bless you and your family. Happy holidays!
Yveline D
Thomas Reyes my Loan Officer, I highly recommend him for your home purchase journey. He worked hard, alone with his team to get me into my first home. I' m very please with all the work he put in. He's honest, professional, and operate with integrity.
Yveline D
Iam beyond blessed to have worked with Thomas!!! Him and his team are very helpful, professional and work very fast. I could not have had a better team 🙏🏼 Thankyou Thomas for going above and beyond at advancing me and answering every question I had in any time of the day! God bless you and your Beautiful family
Kiki E
Tuve la suerte de trabajar con Thomas Reyes durante la compra de nuestra casa, y no podría estar más satisfecha con el servicio recibido. Fue extremadamente atento y siempre estuvo disponible para responder nuestras preguntas, guiándonos con claridad en cada paso del proceso. Además, se aseguró de que obtuviera las mejores condiciones posibles, siempre priorizando nuestros intereses. Su profesionalismo y compromiso realmente marcaron la diferencia, y gracias a su ayuda, todo fue mucho más sencillo de lo que esperaba. Definitivamente lo recomendaría a cualquiera que busque un financiamiento confiable y eficiente. Gracias a él ya hoy nuestra familia tiene un nuevo hogar 🏠 !!!
Claudia R
Tuve la suerte de trabajar con Thomas Reyes durante la compra de nuestra casa, y no podría estar más satisfecha con el servicio recibido. Fue extremadamente atento y siempre estuvo disponible para responder nuestras preguntas, guiándonos con claridad en cada paso del proceso. Además, se aseguró de que obtuviera las mejores condiciones posibles, siempre priorizando nuestros intereses. Su profesionalismo y compromiso realmente marcaron la diferencia, y gracias a su ayuda, todo fue mucho más sencillo de lo que esperaba. Definitivamente lo recomendaría a cualquiera que busque un financiamiento confiable y eficiente. Gracias a él ya hoy nuestra familia tiene un nuevo hogar 🏠 !!!
Claudia R
Fue maravilloso trabajar con ellos .Muy profesionales ,trabajaron bien duro para lograr la casa de nuestros sueños y lo logramos .Gracias Thomas Reyes y su equipo .
Anayli I
Mejor servicio muy recomendable, trabajo con nosotros de principio a final hasta conseguir la casa de nuestros sueños. A pesar de todos los obstáculos Thomas siempre supo rebasarlos y permitirnos llegar a esta hermosa ciudad. Muchas gracias Thomas y Eduardo son los mejores!!!
Bryan V
By fat the best , Helped us through the process of buying our house , Made everything easy and stress free , Thomas Is the best He hears you out and explains everything with detail and does not hesitate to answer a phone call !!!! So Glad he helped us !!! We forever recommend him-Lizzy
Lizzy R
En pocas palabras buen trato, pendiente de su satisfacción, transacción clara, con la verdad por delante.
alexey
This is my second time working with Thomas Reyes, he has been nothing short of amazing. If you want a smooth and fast transaction, he’s the guy. I’ve recommended him to all my friends and family, and highly recommend him to everyone else. Thank you for helping so many families.
Yelena B
I worked with Thomas to close my very first home and I could not be happier with the seamless experience we had. Thomas was very knowledgeable, explained everything in depth and made sure we understood the process every step of the way. I would recommend Thomas to anyone especially for any first time home buyers. 10/10 amazing experience!
Jestina B
That was dream come True … I appreciate you guys to made it happened . Great team to work with it 👍🏿
Yvens D
Great individual to work with. Excellent service, I recommend him to anyone.
Yveline A
Great person to work with it
dogg b
Thomas was extremely kind, helpful and knowledgeable throughout our entire mortgage loan process! His communication was excellent, and he was always available to answer any questions we had. I would highly recommend him to anyone.
Jose F L
Thomas was extremely kind, helpful and knowledgeable throughout our entire mortgage loan process! His communication was excellent, and he was always available to answer any questions we had. I would highly recommend him to anyone.
Jose Facundo Lopez a
Thomas reyes. Un gran ser humano. A medida que va transcurriendo el proceso para la compra de nuestra propiedad. Es increíble que te hayas convertido en uno más de nuestra familia. Lo sentimos así por tu compromiso y dedicación de servir. Dios te bendice siempre. Gracias mi hermano por tu apoyo incondicional.
Javier R
Thomás Reyes fué muy amable, eficiente y manejó todo el proceso con mucha profesionalidad. Fué un placer haber trabajado con él en la gestión de éste préstamo.
Calixto V
Thomas is an excellent loan officer he goes over and above for his clients to make sure they can get the best terms/loan program possible for their situation. And as a realtor partner he has awesome follow up so you know he’s keeping you and your clients connected.
yvonne g
Un agente q sabe hacer su trabajo nos ayudó con el inglés de firmar los documentos es todo un profesional muy educado y lo recomiendo un 100 por ciento.
Jose Diaz C
Mi experiencia con Thomas a sido la mejor .Primero mucha ética que para mí es lo más importante ética y profesionalismo Segundo trabaja todo el tiempo pensando en su cliente y cómo poder ayudarlo más y más Comunicacion única , maravillosa Todo el tiempo nos mantiene informados del proceso y también esto es muy importante en la compra de un hogar Y para terminar lo recomiendo 1000 % Aleida Tamayo Broker Owner Ocala Key Realty
Aleida M T
Thomas was such a pleasure to work with! Along the journey no matter what questions I had he was always there and available to help! So much so I have referred my friends to him to ensure they are always in good hands. Take this as your sign, give Thomas a call!
Venise F
I just can’t believe how easy this process was with Mr. Reyes! He went above and beyond to make sure we took the steps that best aligned with what we were looking for. Up until the very end Mr. Reyes continued to offer his assistance and I will forever be thankful for him! If you were to recommend anyone it would be him.
Venise F
From now on, I would like to express my immense gratitude to Thomas, who was involved in the process of approving my credit and gave me all the support and always keeping in touch with me and helping me with everything, and in record time we managed to do it and today, 12/05/23, I picked up the keys From my house a great birthday and Christmas gift, thank you very much Thomas and the entire team that worked on my approval, thank you very much from the bottom of my heart!!!!
Eliandro Sidney Vieira dos S
Hola quiero decir a todos que fue un placer trabajar con el señor Thomas se lo recomiendo el se preocupa desde el número uno por ayudarte a comprar tu propiedad responsable y te sientes como en familia lo puedes llamar a cualquier hora por alguna duda y siempre te contesta muchas gracias Thomas muy buen trabajo
Ersy V
Was pleased work with Thomas, very professional, and fast. I highly recommend him, if you want things getting done.Thank you Thomas
Adyleide Guariz M
Consistency, Dedication & Reliability, Was definitely a Experience working with this team. Will most certainly be a future option & Referral.Thanks again,
Juan G
Experiencewas great answered all questionswe had was very helpful throughout the loan process for a quick loan approval thank you and the staff from the Watson family
William W
Thomas es una persona excepcional en su trabajo no tiene comparación alguna muy profesional y siempre 100% dispuesto a resolver cualquier contratiempo
Alfredo G
Mi experiencia fue excepcional en mi opinión super profesional y competitivo 100% recomendable
Alfredo G
Excellent work and communication when we work with Thomas Reyes
Yoel F
Thomas was extremely efficient in making our homebuying dream come true. Thomas is the epitome of professionalism at its finest. I will definitely be looking in the future to have him by my side on the next project. Can’t wait!
Daniel G
First of all I would like to say thank you to the team specially Mr. Reyes and Mrs. Maria they help me out a lot on my decision of buying the house. Mr. Reyes supported me from the first day I spoke to him on the phone. He was a big influence on my decision and always supported me in any problems or any questions that I had.
Jairol C
We had an amazing experience working with Thomas as our loan officer during our home closing! From start to finish, his communication was outstanding—he kept us informed every step of the way and was always quick to answer any questions we had. He made what can be a stressful process feel smooth, easy, and stress-free. We truly appreciate his professionalism, knowledge, and dedication. Highly recommend Thomas to anyone looking for a seamless home loan experience!
Marie R
Loan Programs
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
A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program
Featured
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Conventional Loans
Featured
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
Supporting veterans and families with VA home loan options and resources.
VA Loans
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
Happy couple discussing FHA loan options at home.
FHA Loans
Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Two workers in safety helmets working on a construction site, focusing on woodwork and project progress.
Construction Financing
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders | Nurses | Teacher Loans
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Modern house with landscaped yard and garden.
Expanded Income Loans
A smiling woman using a tablet near a window, representing accessible loan services for foreign nationals.
Loans for Foreign Nationals
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit Loans
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
Seller PreLock Program
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Rhyze HELOC
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.
Beautiful suburban house at sunset, showcasing a cozy home with a well-maintained lawn and welcoming entrance.
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.
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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How fast can I get pre-approved?
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How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
A contemporary living space with a gray sofa, decorative pillows, hanging pendant lights, and lush green plants, creating a comfortable and stylish en.