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

Preferred Rate expert Toni S. Bullard smiling portrait for financial services.
Professional headshot of Toni S. Bullard, a financial expert at Preferred Rate, showcasing trust and expertise.
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: #507161

Toni S. Bullard

Sr. Mortgage Advisor

Toni Bullard is a Mortgage Advisor with over 25 years of experience, dedicated to helping individuals and families achieve homeownership and long-term financial stability. She specializes in both home purchases and refinancing, with a focus on creating smart, customized loan strategies—not just finding the lowest rate.

Known for her problem-solving approach, Toni is especially skilled at saving deals that other lenders couldn’t get done. She guides her clients with clear communication, honesty, and a step-by-step process that makes even complex situations feel simple.

Her true passion lies in helping families find the right home and build a better future. Toni believes it’s not just about the loans—it’s about the impact. By the end of the journey, her clients don’t just close on a home… they become like family.

Outside of work, Toni is deeply family oriented. Her “why” is rooted in her upbringing—growing up with financial challenges shaped her desire to create a different future for herself and her family. She is driven by the goal of building generational stability, so her children never have to carry that same burden.

She enjoys staying active, working on her personal health goals, and being involved in her community—whether through professional networks, local events, or giving back.

Toni believes that a home is more than just a place—it’s where memories are built, families grow, and futures are created.

 

Licensed in:

CA

Specialties:

First-time Homebuyers

Strategic Refinance Planning

Down Payment Assistance & Affordable Programs

Loan Rescue Specialist

VA Loans

Investment Properties

Lending Specialties

First-time Homebuyers

Strategic Refinance Planning

Down Payment Assistance & Affordable Programs

Loan Rescue Specialist

VA Loans

Investment Properties

Why work with me?

5.0/5 Rating

14 reviews

21 Days

Average close time

25 years

Of experience

Real clients. Real results.

We're so lucky to have been introduced to Toni. She was such a pleasure to work with, fantastic communicator who went above and beyond for us, and I wouldn't hesitate to work with her again!

Melissa R

Toni was an absolute pleasure to work with. She was professional and made me feel comfortable and confident from the beginning. She asked questions , provided me with details of everything that I’d need, and checked in with me throughout the process. She ALWAYS responded quickly. I look forward to working with Toni again and will recommend her to others.

Dionne P

We just closed on our house and Toni and her tram did a great job in supporting us all along the way. Super fast easy to work with and very responsive. Always there to help and guided us long at every step. If you need a loan you should ask her first.

Anthony A

I would like to thank Toni and her team for a seamless and easy experience with obtaining our loan. We were in a crunch situation in the offer process and this team quickly turned around our pre-approval and we successfully won our bid! Toni is professional and timely with communication and honestly this was the easiest loan process I have experienced. I would recommend them for all of your home financing needs!

Cheryl C

Toni is awesome to work with. She came highly recommended to me and I quickly realized why. She's transparent, straightforward and compassionate. She listened to my needs and worked quickly and diligently to find a great loan for me. I would definitely work with her again and highly recommend her and her team.

Mrs G

Toni is fantastic to work with. She is prompt, efficient, communicative and genuinely cared about my needs getting met. My process went very smoothly and quickly. I highly recommend her and her team.

Mrs G

Toni was amazing at helping us get everything we needed in order to get a loan. She was very informative and knowledgeable about the process. I felt comfortable and at ease knowing she was taking care of us. I highly recommend her when looking to buy a home!

Michelle P

Toni was attentive, informative and transparent throughout the whole process and we are forever grateful for the assistance in buying our first home!

Marisa O

I was hesitant on calling Toni because i felt like I wasnt ready, one day I called her just to see if I qualified and how much I qualified for. From there I think it took me like 3 weeks and I was in contract now the deal closed and I purchased my first home. Im happy myself and Im happy I went with Toni Bullard and Lucia Blanco, everything went smooth from start to finish. I highly recomend Toni and Lucia they are a great team, hopefully in the near future Im able to buy a second home and I will be going back to Toni Bullard

Juan S

We recently purchased a condo in the East Bay and Toni did an amazing job getting our financing secured in a timely and efficient manner. She was always quick to respond and sent us text messages to keep us updated on critical timeline matters. I highly recommend Toni and would use her on future financing needs.

Julian X

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.
Two workers in safety helmets working on a construction site, focusing on woodwork and project progress.
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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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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