Your   homeownership journey starts here

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

Preferred Rate expert Tony Nunez offers personalized mortgage solutions and financial advice.
Tony Nunez, a trusted mortgage professional at Preferred Rate, provides expert guidance for homebuyers.
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: #1973040

Tony Nunez

Branch Manager

With over 20 years of mortgage banking experience, prior to joining Preferred Rate, Tony was a Branch Manager and helped grow the Florida business in an expanding market in Miami, FL with Premium Mortgage Corporation. He was previously an International Mortgage Business Development Manager at HSBC. There, Tony collaborated with teams across the globe to support the U.S. business and assisted international borrowers with their mortgage needs. He began his mortgage career as a residential appraiser and moved into a compliance role for various organizations. Tony’s leadership and expertise in all facets of mortgage banking/lending allow him to thrive in his role and enhance the customer’s experience.

Licensed in:

FL and NY

Why work with me?

5.0/5 Rating

42 reviews

Real clients. Real results.

We had a wonderful experience working with Tony for our home purchase. He was extremely helpful, always easy to reach, and answered all of our questions with patience and clarity. He made the entire process as smooth and stress-free as possible, which we truly appreciated as first-time buyers. His professionalism and dedication really stood out, and we are so grateful for all of his guidance. Highly recommend!

Jennifer T

Tony is the best. Nobody is more knowledgeable than him. Experience and expertise at its finest. Highly recommended.

Yoandy T

Quick close!!! Excellent service!!!! Always helpful and answering questions clearly so that we never felt lost. Made closing on the house a piece of cake! 100% recommend !!!!

Lindsey Marie P

I had the pleasure of working with Tony and Jessica at Preferred Rate, and I couldn’t be more impressed with their service and team! They managed to get my buyers closed and funded in just 10 days – an incredibly fast turnaround. Their professionalism, efficiency, and commitment to getting things done were exceptional. If you're looking for a reliable and quick lender, I highly recommend Tony and Jessica at Preferred Rate!

Cassandra Jean C

Buying a home sometimes can be a very frustrating and stressful experience. When we bought our 1st home a few years back it was a very long and exhausting process. This is the 2nd time that we purchased a home, and a friend recommended the Nunez Montoya Team. They have far exceeded our expectations. Tony and his staff worked non-stop to help us purchase our dream home. The whole process was simplified thanks to their knowledge and experience. They always stayed one step ahead of the game to meet the schedule thoughtout every task and paperwork needed to complete our application. Our family is extremely grateful to Tony, Jessica, Ricky and the entire NUNEZ MONTOYA TEAM I highly recommend them, they are great!

Ricardo S

The best 🤗

Mayra S

Tony and the team at American Pacific Mortgage were great! Highly recommended 10/10. From start to finish, a smooth transition for our first home.

Milton

All good, is a great team and work hard.

Manuel Porras G

As a Realtor, I work with a lot of lenders but Tony truly stood out. He handled every challenge with ease, stayed calm under pressure, and was incredibly transparent and responsive from start to finish. His passion for what he does shows in the way he treats clients and communicates with the entire team. He made my job easier, and I can’t wait to work with him and his team members Jessica and Ricky again

Yamilee B

Tony you are my hero. The other members of your team are awesome also. You delivered more than I expected. Yes. I will recommend you and your team. Let’s put Dottie and Yamilee and any one else that worked so hard to get me into this beautiful condo. I’m still waiting to see if this is a dream. No it’s not. It’s real. I have told all my friends about you and team. Thank you very much. ❤️

Stephanie A

Tony and his team were recommended to me by Yamilee. Yamilee was is Realtor. Tony and his team wasted no time in reviewing the file, to make sure the required documents are there and signed. They were able to determined what was missing and called, emailed, whatever it took for me to send the paperwork to them in a timely manner.

Stephanie A

Thanks for all your support and help , you’re a great team I recommend to everyone.

Iralis Reyes T

Tony was amazing! Even when we nearly walked away, he kept things calm and helped us close with a VA loan. He, Ricky, and Jessica were super professional and made a stressful process feel easy. Highly recommend.

Erena

Excellent service!! Quick and efficient - Tony and his team saved a deal within record time!! Definitely would recommend!!

Vivian Nicole D

Tony was extremely good

John G

Tony from Preferred Rate was an absolute lifesaver! We were in the middle of crunch time, dealing with a difficult seller who wanted to back out of the contract. Tony and his team were incredibly fast and efficient, getting my title commitment in just three days. They kept me updated every step of the way, making the entire process smooth and stress-free. I truly felt like I could trust them, and their professionalism gave me peace of mind. I can't express how grateful I am! If you're looking for someone reliable, call Tony Nunez at Preferred Rate—you won’t regret it!

Lillanis G

Tony Nunez at Preferred Rate was absolutely amazing! Initially, we went with TD Bank, but as the deadline for our commitment letter approached, they kept us in a nerve-wracking situation with delays and uncertainty. As a last resort, our title attorney recommended Tony Nunez, and I can confidently say it was the best decision we made.What TD Bank struggled to do in three weeks, Tony accomplished in just three days! He and his incredible team, Jessica Montoya and Jessica Franco, were on the ball, ensuring everything was in place for our closing—which was less than a week away. Their efficiency, professionalism, and dedication made what could have been an incredibly stressful process so much smoother.Before you go anywhere else, do yourself a favor and give these guys a chance. I only wish I had found them sooner—I could have saved myself so much unnecessary stress! Highly recommend!

Jose B

Tony is a dedicated professional who consistently delivers exceptional results. His attention to detail and commitment to excellence are unmatched, making him a valuable asset to any team. Tony’s ability to communicate effectively and solve complex problems is truly impressive, and I would highly recommend him for any transaction."

Miguel M

Tony and Jessica are amazing lenders. They work diligently and efficiently to close deals seamlessly. I would refer any client to them without hesitation.

Sherry L

I had a great experience working with Preferred Rate, “Tony Nunez “ during the closing of my recent real estate transaction. Their team was professional, efficient, and al ways available to answer any questions throughout the process. They made sure everything went smoothly and on time, ensuring an stress-free closing. I highly recommend Preferred Rate Mortgage Lender’s Tony Nunez to anyone looking for a reliable and knowledgeable mortgage team.

Sonia C

I highly recommend Tony Nunez and his team for all your mortgage loan needs. He really exceeded our expectations and led us step by step in our home buying process to ensure we would get the clear to close in no time. There is no such thing as a setback when you work with Tony. He’s patient and extremely knowledgeable in the field, always doing his best to guide you toward the loan that is right for you. Don’t wait, call Tony and his team today!

Isis M

Professional, friendly, flexible and available. Remembwr, Interest rates mainly based on the economy and much lesser extent fhe lender.

Abdelhai A

Great…….,……………..,,,,,,,……..,

Pierrot B

I can’t say enough great things about Tony Nunez and Jessica Montoya. As a realtor, I’ve worked with many lenders, but their level of professionalism, efficiency, and dedication is truly unmatched. They got my clients a clear to close in just 12 days, which is practically unheard of! From start to finish, their communication was seamless, and they made the entire process smooth and stress-free. They went above and beyond to ensure everything moved quickly, and I couldn’t have asked for a better team to work with. If you’re looking for top-notch mortgage professionals, Tony and Jessica are the ones to trust! Highly recommend their expertise to any individual!

Ricky L

Working with Tony and Jessica has been a fantastic experience. They’re knowledgeable, responsive, and truly goes the extra mile to ensure a smooth lending process. Their expertise and professionalism make every transaction seamless, and I appreciate their dedication to getting the best results. I highly recommend them to anyone looking for a top-notch real estate lender!

Rodrigo M

100 % Recommend!! Thanks to Tony and his team I was able to buy my House. 100% reliable, they are very responsible and professional in their work. They do an exceptional job. We are very satisfied and grateful for their services.

Adalys R

Thank you Núñez Montoya team from Preferred Rate! You were very helpful in every step .Your great attitude and patience make this process easier.

ME G

Realmente tuve la mejor de las experiencias con usted y si equipo desde el minuto 1

Naylin Hernandez M

Jose guided me through the process every step of the way.

Alejandro T

Courteous and knowledgeable staff

Marie

Tony Nunez was awesome, he would answer emails and phone calls at during the week and weekends. He was very helpful and answered all of my questions. The whole team was great. He explained the process, is very patient. Always kept me updated with the process and progress. I would recommend him.

Henry C

I can’t say enough great things about my experience with my lender and his team. From the very beginning, they were professional, responsive, and genuinely cared about making the process as smooth as possible. They kept me informed every step of the way, answered all my questions promptly, and turned what could have been a stressful experience into something easy and manageable. Their dedication and attention to detail truly stood out. I’m beyond grateful for their support and would highly recommend them to my friends and family without hesitation!

Tatiana L

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.
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 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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  • Competitive rates
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