About
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
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"
Nov 2018
Reviewed by Louis A, Tampa, FL
"My overall experience with Luis Torres was great. He was very helpful, a very hard working and dedicated man and trustworthy. He worked even at moments when he did not have to work for our case and knows how to do his job. NFM Lending made us feel comfortable, they had a positive attitude and also dedicated to trying to help their customers. We thank you very much for the good communication and helping us purchase our home. We are very satisfied. THANK YOU! ;) "
Nov 2018
Reviewed by Nestor N, Tampa, FL
"Luis was great he keep me uptodate with all the information about my loan and help expedite the process for closing which is what I want it. "
Oct 2018
Reviewed by Juan F, Brandon, FL
"Great service and communication "
Oct 2018
Reviewed by Rebeca J, Tampa, FL
"I had a great experience with my MLO Mr. Luis Torres. I would recommend him to anyone looking for a home. "
Oct 2018
Reviewed by Carlos A, Riverview, FL
"Luis and his team are very pleasant to work with. They kept us inform and were very helpful"
Oct 2018
Reviewed by Susan C, Brooksville, FL
"I believe Luis went above and beyond in all the personal attention he gave me."
Oct 2018
Reviewed by Dora L, Tampa, FL
"Great "
Sep 2018
Reviewed by William J, Brandon, FL
"Great"
Aug 2018
Reviewed by Brianna N, Tampa, FL
"Luis was awesome! He was super helpful and always available to answer any questions I had. He went out of his way to make sure I understood every step of the process and went above and beyond in helping me to buy my home."
Aug 2018
Reviewed by Adrian M, Wimauma, FL
"He was very helpful in Every step of the way. And he always explained everything to us so we could understand better."
Aug 2018
Reviewed by Salvador O, Mulberry, FL
"Was a great experience..very nice people they always take the time to expain and make sure we understand all the proces "
Jul 2018
Reviewed by Danelly S, Pinellas Park, FL
"always available to help with everything."
Jun 2018
Reviewed by Hernando S, Tampa, FL
"The whole team was great and helpfuli,to me they are the best compared with others and special tanks to MR Luis"
Jun 2018
Reviewed by Maria E, Plantation, FL
"Always available; answers all our questions. A Very patience person and always willing to serve."
May 2018
Reviewed by Juan J, Plant City, FL
"I want to take the time to say THANK YOU!!! Thanks for all the effort you put into getting the best for me and my family I 100% recommend Luis he did everything really quick and professional... God bless you.."
May 2018
Reviewed by Abdielle R, Ruskin, FL
"I recommend it 100%"
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 Named a Top Mortgage Employer
February 15, 2019
LINTHICUM, MD, February 15, 2019— NFM Lending is proud to announce that it was named a Top Mortgage Industry Employer by National Mortgage Professional Magazine. This is the fourth time NFM Lending has received this honor. Each year, National Mortgage Professional Magazine distributes a survey …
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NFM Lending salutes Nicolas Alvarez
February 6, 2019
LINTHICUM, MD, February 6, 2019— NFM Lending is pleased to honor Private Nicolas Alvarez as the NFM Salute for February 2019. Upon graduation from high school, Pvt. Alvarez enlisted in the United States Marine Corps. He recently graduated from boot camp at the Marine Corps Recruit Depot at Parr…
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6 Steps to Purchase a New Home
February 3, 2019
Buying a home is one of the most significant financial decisions you will make in your life. In order to make an informed decision, doing some research for each step of the process can help ensure a smooth transaction. Here are the 6 basic steps needed to purchase a home. Step 1: Get Pre-Qualifie…
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Why Winter is a Good Time to Sell Your Home
January 22, 2019
If you’re ready to sell your home, you don’t need to wait until the spring just because that’s the more popular time. There are plenty of benefits to selling in the off season, even a few that can be monetary. Here are our top 5 reasons for why winter is a good time to sell your home. Low I…
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Contact Me
Luis M. Torres
Mortgage Loan Originator
NMLS ID#:
336855
Phone:
813-961-3900
Email:
ltorres@nfmlending.com