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 Susan C, Brooksville, FL
"I believe Luis went above and beyond in all the personal attention he gave me."
Reviewed by Dora L, Tampa, FL
Reviewed by William J, Brandon, FL
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."
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."
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 "
Reviewed by Danelly S, Pinellas Park, FL
"always available to help with everything."
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"
Reviewed by Maria E, Plantation, FL
"Always available; answers all our questions. A Very patience person and always willing to serve."
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.."
Reviewed by Abdielle R, Ruskin, FL
"I recommend it 100%"
Reviewed by Maria A, Seffner, FL
"NFM Lending and loan originator were thorough and professional."
Reviewed by Natalia R, Tampa, FL
"Very professional. Always available to answer any questions I had trhought our the process . "
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! "
Reviewed by Jose I, Wesley Chapel, FL
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"
Reviewed by Sadgie M, Lauderhill, FL
"Luis was professional and very prompt throughout this process!"
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."
Reviewed by Christian C, Brandon, FL
"Luis Torres is a committed and very efficient person, he did an excellent job together with his colleagues"
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. "
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