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Your   homeownership journey starts here

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

Professional portrait of Jessica Montoya for Preferred Rate branding.
Jessica Montoya, a trusted financial expert, representing Preferred Rate, specializing in mortgage and loan solutions.
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: #2433038

Jessica Montoya

Mortgage Advisor

As a dedicated loan officer with over 5 years of experience, I am committed to helping clients navigate the complexities of the mortgage process with ease. My expertise spans from first-time homebuyers to seasoned investors, ensuring tailored solutions for each unique financial situation. With a focus on transparent communication and exceptional customer service, I strive to make every lending experience smooth and successful. Let’s work together to achieve your home financing goals.

Licensed in:

FL

Specialties:

Spanish Speaking

Lending Specialties

Spanish Speaking

Why work with me?

5.0/5 Rating

50 reviews

100s+

Families helped

30 days

Average close time

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

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

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

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

Iralis Reyes T

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 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

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

An excellent lending group! Always available, very patient with clients, and great at explaining everything clearly. No surprises, just a smooth process.

Mercy Leanne M

We have consistently found this individual to be both personable and highly communicative, demonstrating a level of professionalism that is truly exceptional. Their unwavering commitment to prioritizing client needs is greatly valued and appreciated.

Roberto Carballo J

They were excellent! They really are a great team! I will definitely recommend them to friends and family

Sara S

Excellent service, great communication, and above all, they guided us and helped us find the best solution as first-time buyers! Thank you so much! Thank you both, Jessica and Tony !

Gloria B

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

They are amazing Helping us from bottom of their heart ♥️

Tanzina N

I have worked with Tony and his team now on 4 loans for different clients. As a former long time mortgage broker myself I don't recommend a lender easily and I look for the obvious, that they know their loan products but with Tony and his team you get someone who knows his products and knows how to get them to closing... A get the job done lender! So I highly recommend working with them!

Pedro G

Tony was super helpful and patient with all our questions. He got us a good rate and he gave us very useful advise during all the process. He was in permanent communication with our realtor and was on top on all the details to be sure to do the closing in time.I would recommend him 100%

Marta A

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

Alejandro T

Loan Programs

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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)

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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

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Man using smartphone at home, exploring conventional loan options.
Man reviewing mortgage options on his phone in a cozy living room setting.
Conventional Loans

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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)

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Refinance Loan
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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.
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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
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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
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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
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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.
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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.
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Expanded Income Loans
Loan options for international clients seeking financial solutions.
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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
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Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit Loans
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Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
Seller PreLock Program for homeowners to secure home sale options.
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Seller PreLock Program
Preferred Rate Pathway DPA Program interior design.
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Pathway DPA Program
Rhyze HELOC
Secure lock program for home safety and security.
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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

Estimate your monthly payment in seconds.

$400,000

$50k $2M+

Customize taxes, insurance & HOA

Not required (Down payment ≥ 20%)
Estimated Monthly Payment

$0

Principal & Interest Mortgge Loan
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Property Tax Estimated
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Home Insurance Estimated
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HOA & PMI Fees
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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.

Frequently asked
questions

With short and easy to understand answers.

Couldn’t find your answer?

info@preferredrate.com

Couldn’t find your answer?

info@preferredrate.com

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next step?

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

  • Competitive rates
  • Expert support
  • Easy process