Luis M. Torres
Mortgage Loan Originator | NMLS# 336855 Apply Now Upload Docs Returning Applicant ContactAbout
I am a highly experienced financial professional with over 35 years of experience, an MBA in Finance and Management and a BS in Accounting. Hailing from Mexico, my extensive experience in Banking, Customer Service and Financial Counseling began in Corporate Banking Finance, which then led to residential mortgage loans, as well as the Real Estate industry.
With a proven track record of building strong customer relationships, motivating others, training and providing professional career development to groups and individuals, it has afforded me a wealth of success and outstanding client satisfaction. For the past twelve years, I have been a licensed Mortgage Loan Officer Consultant in the state of Florida, extending residential mortgages and helping over 400 families achieve their dream of home ownership. My main goal is to make the purchase and financing process as stress free as possible while at the same time obtaining the best terms and conditions for my clients. My continued success is due in large part to my passion and dedication to customer satisfaction and my highly personalized service and knowledge base.
Awards
Testimonials
Aug 2019
Reviewed by Monty C, Apollo Beach, FL
"Very personable, responsive and professional! Exceptional experience!"
Aug 2019
Reviewed by Kelly T, Temple Terrace, FL
"Very professional and helpful in guiding us through the entire process."
Jul 2019
Reviewed by Eldon L
"Luis worked hard to obtain the best deal for us. He had to overcome some obstacles in order to make everything happen. We couldn't be happier!"
Jul 2019
Reviewed by Westley D
"Luis did an excellent job. He kept us informed of each step as we went through the loan process. He also gave us a different options for our loan. Luis kept us well informed for decision on which way to go. He was very considerate and flexible with his time. I would definitely recommend him to anybody else who's looking for a home loan. We like to thank Luis so much for working with us."
Jul 2019
Reviewed by Sarah J
"NFM was great! I felt communicated with and they made sure I was aware of every little thing. Luis answered all my questions and always got back to me right away! Wonderful experience! "
Jun 2019
Reviewed by Antonio J, Gibsonton, FL
"Couldn’t ask for better service and commitment. Such an honor to have you as our lender! Excellent "
Jun 2019
Reviewed by Ofmara Y, Gibsonton, FL
"Excellent service and commitment. "
Jun 2019
Reviewed by Keith D, Lauderhill, FL
"Luis is a very experienced loan expert and worked very hard to get our loan closed on time"
Jun 2019
Reviewed by Nilda C, Riverview, FL
"Luis Torres was very supportive, cordial and friendly. "
May 2019
Reviewed by Antonio B, Riverview, FL
"excelente muy buen servicio estamos muy agradecido de usted "
May 2019
Reviewed by Sandra S, Wesley Chapel, FL
"Excellent service during the process, professional team. Exceeded my expectation!"
Apr 2019
Reviewed by Rito A, Winter Haven, FL
"Luis was amazing!! Thank you Luis! Will definitely be recommending Cutomers to you👍"
Apr 2019
Reviewed by Juan R, Lakeland, FL
"Excellent costumer service and communication "
Mar 2019
Reviewed by Michael M, Tampa, FL
"VA loans are really hard to process not only for lender but the borrower as well. Somehow Luis Torres and the NFM staff made it all go so smooth it was incredible, even when in the middle of the process I got hospitalized for 7 days and had to do a lot of paperwork and communicating from my cell phone.? I’m very happy to have made the decision to go with Luis and NFM over my fist choise “USAA Bank”.? I’ll recommend Luis Torres and NFM Lendding to anyone that needs or are thinking of purchasing."
Mar 2019
Reviewed by Maria D, Tampa, FL
"Everyone was very helpful . He was great . Answer all questions at any time ."
Mar 2019
Reviewed by Juan G, Tampa, FL
"Every one is very helpful .Luis wis great answering all our questions at any time. Thanks to every one on the team"
Jan 2019
Reviewed by Maria A, Hudson, FL
"Excellent !!!"
Dec 2018
Reviewed by Johnny A, Valrico, FL
"Excellent Professional"
Dec 2018
Reviewed by Rosaura D, Valrico, FL
"Excellent professional, always answered my inquiries in a quick time and good manner. "
Dec 2018
Reviewed by Maritza L, Tampa, FL
"I WAS SO IMPRESSIVE WHEN I SAW ON THE TV ON THE NFM OFFICE WELCOME MARITZA.....,I FEEL LIKE A FAMILY,RELAX AND SURE THAT I WAS IN THE CORRECT PLACE"
Loan Tools
Here are some useful links to get you started in the loan process.
203(k) Program
Found a good home at a great price that just needs a little work? Own a home that could use some upgrades? The 203(k) loan may be the program for you.
Document Checklist
Applying for a loan? You may be asked to provide some of the documents on this list during the loan application. Get these items in asap to help speed up your loan process.
Mortgage Glossary
Confused with the complicated mortgage lingo? Here is a list of commonly used terms that may help you understand better as you speak with realtors and loan officers.
Ready to Refinance
Are you considering refinancing your home? Before you begin the process, you should evaluate your options and personal finances. This guide will help.
Home Buyer's Checklist
When house hunting, it is easy to forget or confuse the different features of the many houses you will see. Here is a checklist to assist in finding the perfect home for you.
Moving Checklist
Here are some helpful hints and a detailed timeline to prepare your family for one of the most exciting times of your life - moving day.
Saving to Buy a Home
Saving for a home is a tremendous task that requires dedication and thought. Here are some helpful hints and tips on how to save for your down payment.
Blog
NFM Lending now offers Online Loan Application in Spanish
August 15, 2019
NFM Lending is proud to announce that as a part of our effort to better serve the Hispanic community, our online loan application is now offered in Spanish. All Mortgage Loan Originators websites now feature the option to complete the loan application in English or Spanish. Simply click on the Ap…
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What is Earnest Money?
August 8, 2019
If you’re ready to buy a home, you should prepare to have an earnest money deposit. This can be an extremely important part of the homebuying process as it essentially lets a home seller know how serious you are as a buyer. So, what is earnest money? An earnest money deposit, otherwise known as…
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NFM Lending salutes Reno Truant
August 1, 2019
LINTHICUM, MD, August 1, 2019— NFM Lending is pleased to honor Reno Truant as the NFM Salute for August 2019. Reno attended the Henry Ford Trade School in Dearborn, Michigan from 1939 to 1942. At the age of 17, he felt a calling to serve his country and asked his parents to sign a release to al…
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NFM Lending opens new branch in Sunrise, FL
July 29, 2019
LINTHICUM, MD, July 29, 2019 — NFM Lending is pleased to announce the opening of a new branch in North Miami, Florida. The branch is located at 999 NE 125th Street, North Miami, FL 33161, and will be led by Branch Manager, Christian Mourra. The NFM Lending branch will focus its lending platform…
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Contact Me
Luis M. Torres
Mortgage Loan Originator
NMLS ID#:
336855
Phone:
813-961-3900
Email:
ltorres@nfmlending.com