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Preferred Rate's logo representing trusted mortgage and loan services for homebuyers.

A stunning modern craftsman-style house featuring a landscaped front yard, large windows, and a spacious double garage.

NMLS: #283655

Todd Pankratz

Producing Branch Manager / Mortgage Advisor

Phone number:

(760) 960-3524 (Mobile)(760) 235-4444 (Office)

Email:

[email protected]

Hi there I’m Todd Pankratz. Husband to Nicole, my amazing wife of 24 years. And we are very proud parents to 3 outstanding humans, Connor (29), Darien (22), and Cambria (21). I have had the pleasure of helping my clients achieve their dream of home ownership for 24 years now. Purchasing a home is by and large the biggest financial event in one’s lifetime. An event that myself, and my team strive to make for an empowering and uplifting experience for the thousands of families and individuals that we’ve had the pleasure of completing that journey with.

Outside of my professional life I enjoy traveling and spending quality time with my family, fitness and exercise, and many outdoor activities such as boating and powersports.

Licensed in:

Contact info

(760) 960-3524 (Mobile)(760) 235-4444 (Office)

[email protected]

Real clients. Real results.

Our loan officer Kristin Aires was amazingly helpful. As first time home buyers my wife and I had tons of questions and worries but she was always there to help us day or night. I will definitely recommend her and her company to anyone I know who is looking to buy a home in the future.

Lennon B

Our Website

The process was easy and seem less. The entire process was stress free and pleasurable.

Sherry A

Our Website

Becca was on top of everything. She went above and beyond.

Lathan L

Our Website

Working with Claudio and his team is great! They communicate well and answer questions quickly. Claudio always explains each step of the process so you stay informed throughout.

Erica M

Google

The process was a pretty smooth process overall.

Teresa L

Our Website

Jim made the process very easy and smooth. Very knowledgeable. I would recommend to anyone!

Brent D

Google

Sarah is kind, compassionate and extremely detailed when presenting financial information. She’s always willing to help. I am a first time homebuyer and enjoyed my experience with Sarah.

Blanche A

Our Website

Shadia explained things very well and guided us through the process

Josiah M

Our Website

Shadia and her team did an amazing job with helping us secure a loan and providing us with the details needed to stay on budget!

Erik M

Our Website

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

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

Bank Statement Loans

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

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

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

Senior couple exploring reverse mortgage options on laptop. — Elderly couple discussing reverse mortgage benefits using a laptop at home.

Reverse Mortgages

Seller PreLock Program

Pathway DPA Program

Rhyze HELOC

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. — 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.

Mortgage Loan Calculator

Estimate your monthly payment in seconds.

Home Price

$400,000

$50k $2M+

Down payment

Interest Rate

Loan Term

30 Yr 20 Yr 15 Yr 10 Yr

Customize taxes, insurance & HOA

Property Tax / year

Home Insurance / year

HOA Fees / month

PMI / year

Not required (Down payment ≥ 20%)

Estimated Monthly Payment

$0

Principal & Interest Mortgge Loan

Property Tax Estimated

Home Insurance Estimated

HOA & PMI Fees

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

With short and easy to understand answers.

Couldn’t find your answer?

[email protected]

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.
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.