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
Nov 2018
Reviewed by Louis A, Tampa, FL
"My overall experience with Luis Torres was great. He was very helpful, a very hard working and dedicated man and trustworthy. He worked even at moments when he did not have to work for our case and knows how to do his job. NFM Lending made us feel comfortable, they had a positive attitude and also dedicated to trying to help their customers. We thank you very much for the good communication and helping us purchase our home. We are very satisfied. THANK YOU! ;) "
Nov 2018
Reviewed by Nestor N, Tampa, FL
"Luis was great he keep me uptodate with all the information about my loan and help expedite the process for closing which is what I want it. "
Oct 2018
Reviewed by Juan F, Brandon, FL
"Great service and communication "
Oct 2018
Reviewed by Rebeca J, Tampa, FL
"I had a great experience with my MLO Mr. Luis Torres. I would recommend him to anyone looking for a home. "
Oct 2018
Reviewed by Carlos A, Riverview, FL
"Luis and his team are very pleasant to work with. They kept us inform and were very helpful"
Oct 2018
Reviewed by Susan C, Brooksville, FL
"I believe Luis went above and beyond in all the personal attention he gave me."
Oct 2018
Reviewed by Dora L, Tampa, FL
"Great "
Sep 2018
Reviewed by William J, Brandon, FL
"Great"
Aug 2018
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."
Aug 2018
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."
Aug 2018
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 "
Jul 2018
Reviewed by Danelly S, Pinellas Park, FL
"always available to help with everything."
Jun 2018
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"
Jun 2018
Reviewed by Maria E, Plantation, FL
"Always available; answers all our questions. A Very patience person and always willing to serve."
May 2018
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.."
May 2018
Reviewed by Abdielle R, Ruskin, FL
"I recommend it 100%"
May 2018
Reviewed by Maria A, Seffner, FL
"NFM Lending and loan originator were thorough and professional."
May 2018
Reviewed by Natalia R, Tampa, FL
"Very professional. Always available to answer any questions I had trhought our the process . "
May 2018
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! "
May 2018
Reviewed by Jose I, Wesley Chapel, FL
"Great "
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
NFM Lending announces new division: Main Street Home Loans
December 19, 2018
LINTHICUM, MD, December 19, 2018 — Today, NFM Lending announced that two industry powerhouses, Darran Anthony and Mike Farrell, will lead their new division, Main Street Home Loans, based in Leesburg, VA. Under the leadership of Anthony and Farrell, who have over 20 years of industry experi…
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NFM Lending opens new branch in St. Petersburg, FL
December 7, 2018
LINTHICUM, MD, December 7, 2018 — NFM Lending is pleased to announce the opening of a new branch in St. Petersburg, Florida. The branch is located at 3035 5th Avenue North, St. Petersburg, FL 33713, and will be led by Branch Managers, Steve and Amanda Stapleton. The NFM Lending branch will focu…
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6 Important Home Features for Hosting
December 4, 2018
Do you love entertaining your friends and family and want to be the go-to host for holidays, dinners, and other gatherings? Not every home is fit to do so. If you’re searching for a new home or want to redecorate or renovate, keep in mind these 6 important home features for hosting. Entry Way T…
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NFM Lending salutes Cliff Hageman
December 3, 2018
LINTHICUM, MD, December 3, 2018— NFM Lending is pleased to honor Specialist Cliff Hageman as the NFM Salute for December 2018. SPC Cliff Hageman joined the army just a few months after his high school graduation in 1988, serving until 1992. His military occupation specialty (MOS) was an 88M, or…
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Contact Me
Luis M. Torres
Mortgage Loan Originator
NMLS ID#:
336855
Phone:
813-961-3900
Email:
ltorres@nfmlending.com