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
Sep 2019
Reviewed by Julio A, Plantation, FL
"Great personalities, communicate very well, searching for the best Deals!"
Oct 2019
Reviewed by Carlos C, Brandon, FL
"La mejor calidad y servicio y honestidad la encontraras con Luis el nos mantuvo siempre en comunicacion siempre velando por nuestra compra que fuera segura y q valiera la pena comprar la propiedad eres parte de nuestra familia por su calidad y honestidad ."
Sep 2019
Reviewed by Maria E, Plantation, FL
"Reliable, with great experience, very friendly "
Sep 2019
Reviewed by Gina T, Riverview, FL
"Luis and his team were a pleasure to work with and kept us informed every step of the way. Communication was excellent!! I would definitely recommend them."
Sep 2019
Reviewed by Jason L, Riverview, FL
"I have to say that this was one of the smoothest, most pleasant experiences I have ever had dealing with a lender. The level of customer service was amazing. "
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 ."
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 Sponsors 15th Annual BARCStoberfest
October 4, 2019
LINTHICUM, MD, October , 2019— NFM Lending is proud to be a Sponsor for the 15th annual BARCStoberfest 5k and 1-mile run/walk and festival on October 26, 2019. This event will benefit the Baltimore Animal Rescue and Care Shelter (BARCS). This will be NFM Lending’s first year sponsoring the …
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How Do Mortgage Calculators Work?
Note: This blog was originally published in February 2013 and has been updated. Mortgage calculators are important tools for both homebuyers and homeowners. These calculators can help estimate your monthly mortgage payments as well as how much you can afford when purchasing a home. There are vari…
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NFM Lending salutes Christine Ege
October 1, 2019
LINTHICUM, MD, October 1, 2019— NFM Lending is pleased to honor Colonel Christine Ege as the NFM Salute for October 2019. COL Ege is serving in the US Army as a veterinarian and is currently in her 21st year of continuous active duty service. She passionately supports the Department of Defense …
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How Your Credit Score Affects Your Mortgage Rate
September 14, 2019
When applying for a loan, one of the most important factors that will come into play is your credit score. Before you start the loan application process, you should have a clear understanding of how your credit score affects your mortgage rate so you can assess your financial situation. Most lend…
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Contact Me
Luis M. Torres
Mortgage Loan Originator
NMLS ID#:
336855
Phone:
813-961-3900
Email:
ltorres@nfmlending.com