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 Monty C, Apollo Beach, FL
"Very personable, responsive and professional! Exceptional experience!"
Reviewed by Kelly T, Temple Terrace, FL
"Very professional and helpful in guiding us through the entire process."
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!"
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."
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! "
Reviewed by Antonio J, Gibsonton, FL
"Couldn’t ask for better service and commitment. Such an honor to have you as our lender! Excellent "
Reviewed by Ofmara Y, Gibsonton, FL
"Excellent service and commitment. "
Reviewed by Keith D, Lauderhill, FL
"Luis is a very experienced loan expert and worked very hard to get our loan closed on time"
Reviewed by Nilda C, Riverview, FL
"Luis Torres was very supportive, cordial and friendly. "
Reviewed by Antonio B, Riverview, FL
"excelente muy buen servicio estamos muy agradecido de usted "
Reviewed by Sandra S, Wesley Chapel, FL
"Excellent service during the process, professional team. Exceeded my expectation!"
Reviewed by Rito A, Winter Haven, FL
"Luis was amazing!! Thank you Luis! Will definitely be recommending Cutomers to you👍"
Reviewed by Juan R, Lakeland, FL
"Excellent costumer service and communication "
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."
Reviewed by Maria D, Tampa, FL
"Everyone was very helpful . He was great . Answer all questions at any time ."
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"
Reviewed by Maria A, Hudson, FL
Reviewed by Johnny A, Valrico, FL
Reviewed by Rosaura D, Valrico, FL
"Excellent professional, always answered my inquiries in a quick time and good manner. "
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"
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