Your   homeownership journey starts here

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

Financial advisor Tony Englese at Preferred Rate offers expert mortgage and loan solutions.
Professional portrait of Tony Englese, a trusted financial advisor at Preferred Rate.
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: #224348

Tony Englese

Sr. Mortgage Advisor

Tony Englese is a Senior Mortgage Advisor with Preferred Rate. He has been a Loan Originator for over eighteen years. As a licensed Mortgage Adviser; Tony has always strived to deliver competitive market rates, closings in an efficient and timely fashion. Tony’s mission is to provide the highest level of prompt and reliable mortgage services and to be an industry leader. As an asset to the company, Tony strives to maintain a knowledgeable, motivated, and customer-focused team that provides service partners with superior support to maintain a healthy, thriving business relationship with a stellar reputation. Being available 24/7 to his clients, Tony is able to answer all of their questions, concerns, and general inquiries about mortgages and real estate transactions.

Licensed in:

IL

Why work with me?

5.0/5 Rating

260 reviews

Real clients. Real results.

Great work with

george s

As a first-time homebuyer, I was honestly terrified of the process—but Tony made everything feel so smooth and reassuring. From day one, there was such a personal touch; both Tony and Demi, were by my side every step of the way, always ready to answer any question, big or small. I felt truly cared for, not just as a client but as a person stepping into a huge milestone. I put my full trust and faith in Tony, and it was so well placed. I couldn’t have asked for a better experience or a more supportive team to help me make this dream a reality for my son and I.

Vinisha P

Tony and Demi are excellent! We have worked with them on 2 home purchases and they have our best interests in mind always.

Ian B

Tony and his team were very helpful and were  always available when I had any questions about the process. Everything went smoothly. Thank you again!

Tatjana K

Tony and Demi were a great team. They made my first home buying experience very easy. They answered all my questions. Also, did the best they could to do to get a great rate. I'm very happy.

Rosein A

Tony is very professional and incredibly knowledgeable. He can be very helpful to first-time buyers, experienced buyers, and investors. Not only is he knowledgeable in the mortgage aspect, but also home construction. Tony was very responsive whenever I had a question and took the time to explain things in laymen’s terms. I will recommend Tony to anyone looking for a lender!

Sean T

Great experience

Brian H

Tony went above any expectation we had and helped get us through our lending process to get our beautiful home. He was also very polite, quick with responses, and got it done. He was able to help lend us the most we can recieve so we were lucky enough to get our home. Outstanding service and great guy.

Alejandra E

Tony went above any expectation we had and helped get us through our lending process to get our beautiful home. He was also very polite, quick with responses, and got it done. He was able to help lend us the most we can recieve so we were lucky enough to get our home. Outstanding service and great guy.

Phillip B

Tony and his whole team made everything for my husband and I so smoothly, always on top of things, great commotion, friendly service!! we will work with him again for sure.

Melina C

Working with Tony as our mortgage advisor was an absolutely wonderful experience from start to finish. Tony was incredibly responsive and attentive throughout the entire process, always making himself available to answer any questions we had — even while he was on vacation! His dedication and professionalism truly stood out.You can always count on Tony’s expertise and transparency. He took the time to explain every step clearly, making what could have been a stressful process feel smooth and manageable. We felt confident and supported the whole way through, and that peace of mind was priceless.We’re so grateful for Tony’s guidance and couldn’t recommend him more highly!

Daniel G

Tony and Demi helped my wife and I out a bunch when trying to buy our first house. Really good team to work with.

Jacob H

Tony Englese, Demi Sardi and team were absolutely fantastic in getting our refinance shopped, approved and closed. Our situation was a sticky one as well due to the fact that my wife and I are both self employed so there is a lot more paperwork and red tape to deal with. Demi’s communication was absolutely top notch and she made the process much less tedious than it should have been. The Englese Team was outstanding, highly recommend working with them. Thanks again, guys!

Erik D

Tony Englese at Preferred Rate provides the best rates whether you’re purchasing or refinancing a home, and his team makes it an easy smooth process. I’ve been using Tony for the last 5 years and will continue to do so!Best experience and highly recommend!

Cynthia P

This was my wife and my first time buying a home, and we couldn’t have asked for a better experience. Tony, along with Marge, Demi, and Rebecca, made the entire process seamless and stress-free from start to finish. They were incredibly attentive, professional, and always made us feel like our best interests were their top priority. We truly felt supported every step of the way. Highly recommend this amazing team!

Jared L

It was a pleasure working with Tony and his team. Their communication and assistance with all things closing was excellent. Would recommend using their services in your home buying journey

Alex M

Belief is a power that fuels your purpose .. tony did exactly what i asked for and more . Not once did i have a bad feeling of tony the lender , made sure i was up to date with paperwork and finance , i don't like wasting time neither does he , every second counts .

Edwin M

Tony was very professional and helped navigate through some challenging and unique circumstances. I would recommend and will refer anyone to him. Thank you for everything.

user1425119

Working with Tony Englese has been an absolute pleasure! From start to finish, Tony’s professionalism and promptness were unparalleled. Despite his high level of expertise, he maintains a warm, family-oriented vibe that makes you feel like you’ve known him for years.Tony went above and beyond to answer all of our questions and put our worries to rest. His caring tone and genuine approach to business were not only refreshing but inspiring. It’s rare to find someone who truly listens and ensures every detail is addressed with such precision and thoughtfulness.What sets Tony apart even further is his dedication to giving back to the community. His involvement in programs aimed at helping our youth grow into confident, successful young men speaks volumes about his character. It’s clear that he’s not only a stellar realtor but also a remarkable person.We can’t say enough good things about Tony Englese. If you’re looking for someone who truly cares and delivers outstanding results, look no further. Thank you for everything

Nick J

Thank you for helping me getting a house.

Juliet E

It was a great experience working with Tony and his team throughout the mortgage process for our first home. They were always there to answer all of our questions and quick to response back on same. Due to Tony and his team efforts we were able to close our deal within time.

Tarun J

I have done many loans with him, he is good at what he does, his team is also very good, especially Demi, who keeps the flow going, everyone works well together, the rates are competitive and the fees are at par with others.

ashishbatra008

We refinanced with Tony and Preferred Rate. He was always professional and kept us updated throughout the process. I would highly recommend.

nicole e

Tony gets the financing done in time and reliably

ash

Tony and his team are great to work with. They took their time to answer any questions we had and explained clearly each step in the process. He checked in and sent messages to confirm what step he was working on and that he was getting the best options he could.

Jeremy O

Helped me through every single detail and always was making sure I was updated! If I had any concerns or questions Tony would help me right away! 

Angelina N

 fast and efficient!

Laurie P

Tony and his team are great! I had a tight closing deadline and they kept me in the loop every step of the way, made sure i understood everything, and the closing process went very smoothly. Highly recommend!

Ankit S

He was so amazing at getting us a great rate and working with us all the time to help us get into a home

Thomas S

He worked with us to get our finances in order and getting us into a home for a great rate. He kept calling and working with us to get us pre-approved for a home

ThomasSowa

Thank you for help us to get a house Mr Tony and thank you my realtor Mr Richard. All of you work for me so nice 😊

Huymeng P

Every question we had was answered promptly. Tony was easy to talk to and ensured we understood everything presented to us. My husband and I found him knowledgeable about mortgage financing and a driven loan officer.We will use Tony again in the future. Thanks, Tony!Senada and Ilijas

Ilijas and Senada P

Tony and his team (including Demi) did an amazing job in helping us throughout the mortgage process for our recent condo purchase. They were extremely professional and very responsive to our questions and concerns that brought us peace of mind. We have worked with Tony for many years and have appreciated his advice and guidance. That said, I would highly recommend Tony and his team to anyone in need of mortgage services.

John F

Tony and his team were amazing! From start to finish as a first time home buyer I can honestly say that my experience was smooth with no hassle. Tony walked with me and explained every step with detail and precision, even when my anxiety level was high he was compassionate and helpful. I appreciate Tony’s knowledge in this field and when I ready to purchase a rental property I will definitely give him a call!!! Tony…thank you to you and your team!!! Tasha

Tasha K

I received outstanding service and support throughout the entire loan process. I am grateful and thankful to the team

Andre C

Tony is not just a professional, he is an expert. His expertise and customer experience are exceptional. His team is all about customer experience, communication, respect and positive result.He originated the mortgage at no time, that a different lender failed to complete.

Alexander

Being a new home owner has a lot of difficulties connected to it. Tony and his team made the loan an easy process. He was responsive and communicated whenever he had time. His team was always kind and worked with us consistently. If you want a genuine person you'll find it in Tony and the people he works with.

Joshua F

Tony and his team were great to work. Everyone involved wasvery professional. Thank you!

Paul S

Tony and his team were absolutely awesome. They made our first time home buying experience so stress free. They always were available for all our questions and concerns. They are the best. Wish I could give them 6 🌟. They are definitely worth it.

Julie C

This was my second time using Tony and his team for a loan. It’s always a pleasure working with Tony. His always available for any questions anytime . Super fast to close with no problems. Would highly recommend for Tony for any of your mortgage needs looking forward to working with him again.

Ivan S

Great experience! Thank you for making this whole process smooth.

Angelo V

Tony and his team helped us navigate a 3 week close without issue. Tony and team are professional, responsive and I’d highly recommend if you are in the process of buying a new home.

Megan B

Tony was absolutely great to work with. I was very comfortable speaking with him. He answered every question I had and guided me when I didn't know something. His team was very thorough with the documentation process. Home buying is nerve wrecking but have patience with every party involved.

Kathy G

Thank you Tony for all your help on helping me get into my own place your service was great easy to reach at and answer any questions than you again Tony.

Noe G

Great experience. Walked me through every step of the way. Quick to respond.

Cathy Z

Tony was of great assistance throughout our home buying process. As a first time home buyer, I appreciated the fact that he was always available for a call or text. He was able to answer all of our questions in detail due to his extensive experience, and helped keep the stresses of buying to a minimum. I’m extremely grateful for him and the rest of his team helping us reach our goal.

David K

Always available to help. He's very knowledgeable and incredibly kind. We were first time buyers and he was never condescending, always took the time to explain the process to us, and is just overall a really great dude. Thanks Tony!

mt. g

Tony and his team were very responsive and helpful. They made the the home buying process a breeze.

Nolan

Tony and his team were very helpful and friendly! For us first time buyers, they were super educational and always willing to answer questions we had. 10/10

Sam G

Working with Tony and the rest of his team (Demi and Madeline) was amazing. They were quick to respond to all our questions, and were very patient in explaining to us every step of the process. Tony replied even on weekends, and both Demi and Madeline quickly responded to all our questions. Tony closely watched the rates for us and they ultimately helped us get our dream house. I am so grateful for having Tony’s help. The house buying process is not easy but having the best team help us definitely made the whole process smooth and worthwhile for us.

Alyana A

He was thurough, and very knowledgeable. We could come to him with ANY question and he'd have the answers, we closed on time and in less than 30 minutes because he made sure everything loan related was correct and in order for the attorney prior to close time.

Josh R

Tony is the best! I highly recommend working with him when it's time to find a home loan!

Colin B

Tony was great. He was very patient with me throughout the whole process. He even called me from vacation to see how I was feeling about the numbers!! Top notch!

Karen C

He was very professional and helpful throughout my first buying process. Also, his app to calculate costs is handy before making any offer!

Noah R

Tony and his team were so incredibly instrumental in helping us close on our house within 45 days. He answered all of our questions from preapproval to closing and his team never made us feel stupid for not knowing much about the process. We literally could not have bought a house without them. We can't recommend Tony enough!

Archer C

Tony and his team were so incredibly instrumental in helping us close on our house within 45 days. He answered all of our questions from preapproval to closing, continually reassuring us that our dream was possible, and his team never made us feel stupid for not knowing much about the process. We literally could not have bought a house without them. We can't recommend Tony enough!

Archer C

Tony and his team were so incredibly instrumental in helping us close on our house within 45 days. He answered all of our questions from preapproval to closing, continually reassuring us that our dream was possible, and his team never made us feel stupid for not knowing much about the process. We literally could not have bought a house without them. We can't recommend Tony enough!

miles c

Amazing work! Tony was able to make the home buying process smooth and stress free. Would highly recommend!

Bcm_lifestyle

Tony and his team were very helpful when applying for the loan to purchase my condo. I definitely would do business again with them.

Bcm_lifestyle n

Tony and his team were very helpful when applying for the loan to purchase my condo. I definitely would do business again with them.

robert n

Tony did for us exactly what he promised he would do! Great work from him and AJ.

Elizabeth K

Tony and his team were so incredibly instrumental in helping us close on our house within 45 days. He answered all of our questions from preapproval to closing, continually reassuring us that our dream was possible, and his team never made us feel stupid for not knowing much about the process. We literally could not have bought a house without them. We can't recommend Tony enough!

Noah c

Tony made the house buying process smooth. He is excellent at his job and provided timely, knowledgeable answers to all my questions. He takes the time to explain the process which I greatly appreciated. I highly recommend Tony and would give many more stars if I could.

miles c

Tony and AJ were fantastic! 10/10

Dani L

Tony was wonderful and took as much time with us as we needed. He was always quick to respond to our questions and AJ who works with him helped us a ton with closing!

Dani L

Tony was amazing during the entire process. He was very patient and informative with me being a new home owner. Tony came highly recommended and he didn't disappoint. He surpassed every expectation I had.

martin F

Tony was absolutely amazing. Detailed support from start to finish. No matter what or when he was always available to answer any questions. His team behind him was just as professional. Thank you to the entire group for all that you did.

Matt V

Tony and his team were great. They kept me informed throughout the entire process and were very responsive whenever I had questions. Tony even took the time on multiple occasions to explain things to me in great detail and ease a lot of the fear that comes with a first time home purchase.

Rita V

Tony Englese was wonderful to work with. He helped answer all of the questions my husband and I had and he is quick to respond. We would highly recommend Tony and his wonderful team for your Mortgage needs. Thank you, Tony!

Zeljka H

Good Job! I will refer them to others

Bettye D

Very good service

Kamaldeep K

Tony was so incredible and made our home buying journey a breeze!

Emily Q

“I highly recommend Tony for anything mortgage-related! He guided us from start to finish and was always there when we needed him.”

Lori M

Tony (and Dorothy) are amazing! We had a lightening fast offer to close period of less than 3 weeks. Tony and his team called, emailed, texted, and kept in constant communication to keep us updated and answer questions as we had them. Additionally, he secured us a 30-year rate UNDER the national average. Highly recommend Tony (and Dorothy) !

Steve P

Very easy to work with, patience and when above and beyond to make our process as easy as possible

Brandon H

Tony was amazing! Helped me close on my house!

Anthony L

Tony and his team were excellent to work with and made the process significantly smoother

Dan

Tony was very knowledgeable and resourceful. Even though the seller's agent was not very competent Tony made sure the deal was completed the finances were all in place.

mementovivere3

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

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
$0
Property Tax Estimated
$0
Home Insurance Estimated
$0
HOA & PMI Fees
$0
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

Home Loan Guides
& Checklists

View all

Ready to take the
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