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
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%"
May 2018
Reviewed by Maria A, Seffner, FL
"NFM Lending and loan originator were thorough and professional."
May 2018
Reviewed by Natalia R, Tampa, FL
"Very professional. Always available to answer any questions I had trhought our the process . "
May 2018
Reviewed by Jose R, Tampa, FL
"Luis was really helpfull facilitating the process. I’m glad that Luis was part of the new adventure my parents will have living in Tampa. God bless you Luis! "
May 2018
Reviewed by Jose I, Wesley Chapel, FL
"Great "
Apr 2018
Reviewed by Monica D, Land O Lakes, FL
"The NFM Team was incredible, They moved very fast , their professionalism and attention was excellent and the technology tools are amazing. Thank you so much ! God Bless you always"
Mar 2018
Reviewed by Sadgie M, Lauderhill, FL
"Luis was professional and very prompt throughout this process!"
Mar 2018
Reviewed by Keisha M, Riverview, FL
"Luis and Chinah were great to work with They kept me informed during the entire process. They made sure the loan process went smoohly for me and they were always available to answer any questions."
Feb 2018
Reviewed by Christian C, Brandon, FL
"Luis Torres is a committed and very efficient person, he did an excellent job together with his colleagues"
Dec 2017
Reviewed by Eileen F, Oldsmar, FL
"Luis helped me with financing a few years ago. I went right back to him for this one. He is so professional and dedicated to his clients. "
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 salutes Holden Hall
October 9, 2018
LINTHICUM, MD, October 9, 2018— NFM Lending is pleased to honor Hospital Corpsman Third Class Holden Hall as the NFM Salute for October 2018. HM3 Hall grew up in small town Cameron, NC. During high school, he found success in the JROTC program, quickly excelling and earning leadership positions…
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Moving with Children or Pets
We all know just how stressful moving can be. There are a ton of decisions to make and plans to coordinate. It’s important to recognize that moving impacts everyone. Use this advice to help you ensure a successful experience moving with children or pets. Children Before Make the move a daily to…
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NFM Lending opens new branch in Peoria, AZ
September 28, 2018
LINTHICUM, MD, September 28, 2018 — NFM Lending is pleased to announce the opening of a new branch in Peoria, Arizona. The branch is located at 8631 W. Union Hills Dr, Suite 206A Peoria, AZ 85382 and will be led by Branch Manager Danny Banda. The NFM Lending branch will focus its lending platfo…
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NFM Lending opens new branch in Southern Pines, NC
September 27, 2018
LINTHICUM, MD, September 27, 2018 — NFM Lending is pleased to announce the opening of a new branch in Southern Pines, NC run by The Sanchez Team. The branch is temporarily located in Garner, NC, but their permanent residence will be 170 N. Bennett St., Southern Pines, NC 28387. The NFM Lending …
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Contact Me
Luis M. Torres
Mortgage Loan Originator
NMLS ID#:
336855
Phone:
813-961-3900
Email:
ltorres@nfmlending.com