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.
My Videos
Awards
Testimonials
Aug 2020
Reviewed by Eileen A, Oldsmar, FL
"Luis is a true professional. I trust him completely with my personal information. "
Aug 2020
Reviewed by Rito A, Winter Haven, FL
"We first did business with Mr. Luis a year ago. He helped us purchase our home. And now a year later helped us to refinance. Luis is soo helpful And kind, and i would recommend him to anyone. He exceeded my expectations with his service to us.. Thank you Luis!!"
Aug 2020
Reviewed by Curtis R, Riverview, FL
"Very helpful and determined to make things happen even when they go wrong. I trusted Mr. Torres through the entire process. I would highly recommend him. "
Aug 2020
Reviewed by Kimberly A, Riverview, FL
"Luis and the staff and NFM lending were wonderful! Very professional and always went above and beyond to make sure our questions were answered. They were very responsive, even after the normal duty day. Luis, we can’t thank you enough for helping our family finance our forever home! Cheers! "
Jul 2020
Reviewed by Geovannie C, Ruskin, FL
"Was a Great Experience! Luis is Amazing. Very very helpful. Everything was Excellent, smooth, and very clear for us. Less than a month to get our "ready to close". "
Jul 2020
Reviewed by Luis F, Ruskin, FL
"We were fortunate to find the right people in this important process, our manager Luis Torres was always aware of our concerns and most importantly, with the best disposition to help us. He guided us in all this process and managed to get closer to the fulfillment of our dream of having our own house"
Jul 2020
Reviewed by Joaquin F, Riverview, FL
"Very professional "
Jul 2020
Reviewed by Maria M, Riverview, FL
"Luis is an excellent and dedicated professional who knows the business. He is very kind, always available to answer questions on an important moment to buy and finance a new home. I highly recommend him"
Jul 2020
Reviewed by OSCAR G, Riverview, FL
"I think there was good comunicación and the processes were fast."
Jul 2020
Reviewed by Marlene A, Clearwater, FL
"I am very pleased with the professionalism and quick responses from Luis Torres. He exceeded my expectations and would highly recommend. Thank You Luis!! "
Jul 2020
Reviewed by Rodolfo N, Brandon, FL
"I was very kind because I lern a lt about every prosess. "
Jul 2020
Reviewed by Henry M, Ocala, FL
"Me Luis Torres was very profesional and courtesy and friendly understanding the need of a new home seeking buyer’s and also I had excellent experience with Cindy Gregory as well very pleasant and overall my realtor agent she may things possible she work so hard and tiredless , if in the future wanna buy another house I will seek her professional advice. Thank you all for make dreams home come true Your Sincerely. Henry Torres "
Jul 2020
Reviewed by Hector L, Port Richey, FL
"My experience with Luis Torres and the NFM team was really quick and professional. I am VERY happy and pleased with how easy they make this happened for us. I am an experience home owner and this has been by far, the best experience I have ever have when it come to by a house and all the pre approval and qualifications. Good look and God Bless You All."
Jun 2020
Reviewed by Franklin H, Land O Lakes, FL
"Luis was amazing. He was always available and provided me with numbers when needed in a timely manner. I felt like he genuinely cared to make the process as easy as possible for me."
Jun 2020
Reviewed by Frederick H, Winter Haven, FL
"Very friendly. Answered all questions in very professional manner. Very helpful"
Jun 2020
Reviewed by Jorge L, Riverview, FL
"It was an easy, fast and well-coordinated process even more in these pandemic days. Working with Luis Torres is always a pleasure because of the trust and honesty and concern that he has for his clients."
May 2020
Reviewed by Jose A, Brandon, FL
"Communication is always fast and friendly. We are never afraid of asking questions to Luis. The entire process went smoothly and we got a great loan refinance rate."
May 2020
Reviewed by Joseph K, Lithia, FL
"Fast and clear communication. Smoothest closing anyone has ever heard of that I’ve talked to. "
May 2020
Reviewed by Doris B, Tampa, FL
"Cindy Gregory and her team were provided excellent customer service and information throughout the process. They prepared me for each step of the process and answered questions promptly. Communication can make on was clear and concise. Even bad news was delivered with empathy and care. Top notch group of prof ssionals."
May 2020
Reviewed by Sandra S, Tampa, FL
"Luis and his Team very professional . 100% Satisfied !!"
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
Benefits of Homebuying and Selling in the Fall
September 22, 2020
Fall usually makes you think of colorful foliage, warm, spiced drinks, and carving pumpkins, but what about buying and selling a home? Fall isn’t traditionally a popular time for the real estate market, but that’s exactly why it can be your secret weapon. Here are some of the benefits of home…
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How Important is Credit Score When Buying a Home?
September 9, 2020
Mortgage lenders look at many factors when determining your loan eligibility and rate, including your credit score. You may understand the importance of having a good credit score, but just how important is credit score when buying a home? Here are some of the factors lenders are taking into cons…
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NFM Lending salutes Ray “Cash” Care
September 1, 2020
LINTHICUM, MD, September 1, 2020— NFM Lending is pleased to honor retired Navy SEAL, Ray “Cash” Care, as the NFM Salute for September 2020. Care is no stranger to adversity; it is a force that has shaped him his entire life. When Care was just eleven years old, his father was murdered. …
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Quiz: Can You Identify These Architectural Styles?
August 30, 2020
. If you're ready to go house-hunting, you might discover just how many styles of homes there are. How well do you know the names of different architecture styles? Take the quiz now to find out! 1. Edwardian 2. Victorian 3. Grandma-style 4. Neo-Gothique - Victorian homes are named for the era in which they were most popular, from 1830-1910. These homes are very ornate; some even look like dollhouses. The hodgepodge of features and decorations make this style distinct. Common features include:o Ornate features such as lattice work and gingerbread trimo Colorful paint and trimo Asymmetrical designo Turretso Made of wood or bricko Wrap-around porcheso Different sized and shaped windows throughout the home 1. Tudor 2. Germanic 3. Dutch Colonial 4. Elizabethan - Tudor-style homes were influenced by architecture from the Old World. They first appeared in the early 1900s and emulated the look of buildings from 1600s Europe. Common features include:o Stone or brick, wood, and stucco constructiono Decorative half-timbering painted in contrasting neutral colorso Steep-pitched gable roofo Casement windowso Asymmetrical front door placement 1. New England 2. Cape Cod 3. Coastal Cottage 4. Nantucket - The Cape Cod home originated from Puritans who adapted the traditional English Read More...…Read more
Contact Me
Luis M. Torres
Mortgage Loan Originator
NMLS ID#:
336855
Phone:
813-961-3900
Email:
ltorres@nfmlending.com
Ready to get started or have any loan questions? Contact me at 813-961-3900 or ltorres@nfmlending.com or submit the form below and I will call you.