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.
Reviewed by Eileen A, Oldsmar, FL
"Luis is a true professional. I trust him completely with my personal information. "
Reviewed by Rito A, Winter Haven, FL
"We first did business with Mr. Luis a year ago. He helped us purchase our home. And now a year later helped us to refinance. Luis is soo helpful And kind, and i would recommend him to anyone. He exceeded my expectations with his service to us.. Thank you Luis!!"
Reviewed by Curtis R, Riverview, FL
"Very helpful and determined to make things happen even when they go wrong. I trusted Mr. Torres through the entire process. I would highly recommend him. "
Reviewed by Kimberly A, Riverview, FL
"Luis and the staff and NFM lending were wonderful! Very professional and always went above and beyond to make sure our questions were answered. They were very responsive, even after the normal duty day. Luis, we can’t thank you enough for helping our family finance our forever home! Cheers! "
Reviewed by Geovannie C, Ruskin, FL
"Was a Great Experience! Luis is Amazing. Very very helpful. Everything was Excellent, smooth, and very clear for us. Less than a month to get our "ready to close". "
Reviewed by Luis F, Ruskin, FL
"We were fortunate to find the right people in this important process, our manager Luis Torres was always aware of our concerns and most importantly, with the best disposition to help us. He guided us in all this process and managed to get closer to the fulfillment of our dream of having our own house"
Reviewed by Joaquin F, Riverview, FL
"Very professional "
Reviewed by Maria M, Riverview, FL
"Luis is an excellent and dedicated professional who knows the business. He is very kind, always available to answer questions on an important moment to buy and finance a new home. I highly recommend him"
Reviewed by OSCAR G, Riverview, FL
"I think there was good comunicación and the processes were fast."
Reviewed by Marlene A, Clearwater, FL
"I am very pleased with the professionalism and quick responses from Luis Torres. He exceeded my expectations and would highly recommend. Thank You Luis!! "
Reviewed by Rodolfo N, Brandon, FL
"I was very kind because I lern a lt about every prosess. "
Reviewed by Henry M, Ocala, FL
"Me Luis Torres was very profesional and courtesy and friendly understanding the need of a new home seeking buyer’s and also I had excellent experience with Cindy Gregory as well very pleasant and overall my realtor agent she may things possible she work so hard and tiredless , if in the future wanna buy another house I will seek her professional advice. Thank you all for make dreams home come true Your Sincerely. Henry Torres "
Reviewed by Hector L, Port Richey, FL
"My experience with Luis Torres and the NFM team was really quick and professional. I am VERY happy and pleased with how easy they make this happened for us. I am an experience home owner and this has been by far, the best experience I have ever have when it come to by a house and all the pre approval and qualifications. Good look and God Bless You All."
Reviewed by Franklin H, Land O Lakes, FL
"Luis was amazing. He was always available and provided me with numbers when needed in a timely manner. I felt like he genuinely cared to make the process as easy as possible for me."
Reviewed by Frederick H, Winter Haven, FL
"Very friendly. Answered all questions in very professional manner. Very helpful"
Reviewed by Jorge L, Riverview, FL
"It was an easy, fast and well-coordinated process even more in these pandemic days. Working with Luis Torres is always a pleasure because of the trust and honesty and concern that he has for his clients."
Reviewed by Jose A, Brandon, FL
"Communication is always fast and friendly. We are never afraid of asking questions to Luis. The entire process went smoothly and we got a great loan refinance rate."
Reviewed by Joseph K, Lithia, FL
"Fast and clear communication. Smoothest closing anyone has ever heard of that I’ve talked to. "
Reviewed by Doris B, Tampa, FL
"Cindy Gregory and her team were provided excellent customer service and information throughout the process. They prepared me for each step of the process and answered questions promptly. Communication can make on was clear and concise. Even bad news was delivered with empathy and care. Top notch group of prof ssionals."
Reviewed by Sandra S, Tampa, FL
"Luis and his Team very professional . 100% Satisfied !!"
Here are some useful links to get you started in the loan process.
Our mortgage calculators can be used to estimate how much your monthly mortgage payments will be, see if you will save by refinancing your mortgage, or to find out how much house you can afford.
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.
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.
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.
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.
Luis M. Torres
Mortgage Loan Originator
Ready to get started or have any loan questions? Contact me at 813-961-3900 or email@example.com or submit the form below and I will call you.