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 Andres D, Brandon, FL
"Luis since the first time he helped us get the the loan for house was very knowledgeable helpful when moments got tense. He assured us every time we felt something was going bad. We are very grateful for he has done for us."
Reviewed by William C, Valrico, FL
"From start to closing, Luis Torres provided exceptional hands on service. We were kept informed with clear direction throughout the process. "
Reviewed by Jose N, Port Saint Lucie, FL
"If you want,fast results,professionals,and a Loan Originator to guide you step by step.Go with the PRO,go with LUIS TORRES and NFM LENDING.They are simply the best."
Reviewed by Rachel E, Miramar, FL
"Excellent job ! I recommend 💯 % "
Reviewed by Yosvany M, Valrico, FL
"My experience was wonderful, very professional, very layered, giving you enough information to make the process a beautiful experience."
Reviewed by Albania C, Valrico, FL
Reviewed by Melinda T, Lutz, FL
"Luis was referred to me on a Sunday and he actually called me back on that Sunday. Luis talked me through the entire process, each step along the way. He kept me informed in an unobtrusive way, Luis put my mind at each ease when I was concerned about items that may impact my refinance. He was friendly, professional and so helpful throughout the entire process."
Reviewed by Julio A, Plantation, FL
"Great personalities, communicate very well, searching for the best Deals!"
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 ."
Reviewed by Maria E, Plantation, FL
"Reliable, with great experience, very friendly "
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."
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. "
Reviewed by Jose C, Brandon, FL
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. "
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