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
Apr 2018
Reviewed by Monica D L, 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 L, 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. "
Dec 2017
Reviewed by Debbie R, Ruskin, FL
"The whole process was very tasking. But we did It."
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
Hidden Costs of Buying a Home
April 10, 2018
While buying a home might seem straightforward, there’s a lot more to the process than picking out a home and obtaining a mortgage. One of the things most buyers don’t prepare for is all the hidden costs of buying a home, both during the homebuying process and after. Some of these costs occur…
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NFM Lending salutes COL Erwin A. Burtnick, USA, Retired
April 2, 2018
LINTHICUM, MD, April 2, 2018— NFM Lending is pleased to honor Colonel Erwin A. Burtnick, USA, Retired, as the NFM Salute for April 2018. COL Burtnick served over 37 years on active duty and in the Army National Guard and the Army Reserve. Commissioned through Officer Candidate School, he has …
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NFM Lending Loan Originators named among Scotsman Guide’s Top Originators 2017
March 30, 2018
LINTHICUM, MD, March 28, 2018 — NFM Lending is proud to announce two of its loan originators, Jane Floyd and Daniel Sa, have been ranked on the Scotsman Guide’s Top Originators 2017 lists. Each year, Scotsman Guide recognizes the nation’s top producing mortgage loan originators. Originators…
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NFM Lending Celebrates Two Years of the NFM Salute
March 23, 2018
LINTHICUM, MD, March 23, 2018— NFM Lending is celebrating the two-year anniversary of its NFM Salute program. They honored their first NFM Salute on March 23, 2016. NFM Salute is an initiative dedicated to recognizing the brave men and women who have fought and continue to fight for our freedom…
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