Ariel
MORTGAGE & MAIN STREET | MORTGAGE LOAN OFFICER IN FLORIDA
LOAN PROGRAMS
Every Loan Type Florida Buyers Need
From first - time buyers to veterans to investors - we have the right loan to match your situation and goals.
FHA Loans
The most popular option for first-time buyers. Only 3.5% down with a 580+ credit score. Flexible debt-to-income ratios accepted. FHA limit in most FL counties is $524,225 for 2025
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Conventional
Best for buyers with 680+ credit scores. As low as 3% down. PMI drops off once you hit 20% equity. Florida conforming limit up to $806,500.
VA Loans
Exclusively for veterans, active-duty, and eligible surviving spouses. $0 down payment, no PMI, and some of the lowest rates available. The most valuable benefit you've earned.
USDA Loans
For rural and suburban Florida buyers. No down payment required, low mortgage insurance, and competitive rates. Eligible in many Central and North Florida areas.
Jumbo Loans
Financing above the $806,500 conforming limit for luxury properties in Miami, Palm Beach, Naples, and other high-value FL markets. Competitive rates for well-qualified buyers.
Non-QM
Also known as Bank Statement loans are for Self-employed, freelancers, and business owners — qualify using bank statements instead of W-2s. Perfect for Florida's large self-employed workforce.
Refinance
Lower your rate, reduce your term, or tap your home's equity. Rate-and-term or cash-out refinancing available. Many FL homeowners can still save even in today's market.
Renovation
Finance your renovation and mortgage in a single loan with one closing. Ideal for new homes that need any kind of upgrade.
HOW IT WORKS
Four easy steps to your New Dream Home
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Get Pre-Approved
Secure your financing quickly and easily.
Find Your Home
Browse listings and find your dream property.
Loan Processing
Our team handles the paperwork.
Close & Celebrate
Sign and move into your new home.
ABOUT ME
I was born and raised in Texas, but I always had a love for Florida and everything that comes with it — the sunshine, the beaches, and the family lifestyle. Three years ago, my family and I finally made the move to Orlando, and it has honestly been one of the best decisions we’ve ever made. I’m a proud mom of three boys, so life is always busy, loud, and full of adventure.
When I’m not working, you can usually find us running around the theme parks, trying new places to eat, or spending the day at the beach. One of the things I love most about Orlando is that there is always something fun to do for families, whether it’s a weekend event, a park day, or just enjoying the Florida weather. I love being part of a community that feels exciting, welcoming, and full of opportunity, and I love helping others find a place to call home here too.
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SERVING AREAS
Mortgage Loan Officer Near You - Florida & Texas
Whether you're searching for a loan officer near me, a home loan in Florida, or a mortgage lender in Texas — we serve every major city, county, and zip code in both states. Click your state or region below.
Florida
Miami & Miami-Dade
Mortgage lender in Miami FL. FHA, jumbo, and condo loans. Serving Coral Gables, Doral, Hialeah, Homestead, Kendall, and all of Miami-Dade County.
Florida
Tampa Bay
Home loan officer in Tampa FL. FHA, VA, Conventional. Serving Tampa, Brandon, Riverview, Wesley Chapel, Lutz, Land O' Lakes, and all of Hillsborough County.
Florida
Orlando & Central FL
Mortgage lender in Orlando FL. FHA, USDA, and Conventional. Serving Orlando, Kissimmee, Sanford, Apopka, Winter Garden, Winter Park, and surrounding areas.
Florida
Jacksonville
VA loan officer in Jacksonville FL. Largest FL city by area. Serving Jacksonville, Fleming Island, Orange Park, Ponte Vedra Beach, St. Johns, and Duval County.
Florida
Fort Lauderdale
FHA lender in Fort Lauderdale FL. Serving Fort Lauderdale, Pompano Beach, Boca Raton, Deerfield Beach, Coral Springs, Pembroke Pines, Miramar, and Broward County.
Florida
West Palm Beach
Mortgage broker in West Palm Beach FL. Serving West Palm Beach, Boca Raton, Delray Beach, Boynton Beach, Jupiter, and Palm Beach County.
Florida
Naples & Fort Myers
Jumbo loan lender in Naples FL. Serving Naples, Fort Myers, Cape Coral, Bonita Springs, Marco Island, and Collier and Lee Counties.
Florida
Sarasota & Bradenton
Home loan officer in Sarasota FL. Serving Sarasota, Bradenton, Venice, North Port, Englewood, and Sarasota and Manatee Counties.
Florida
St. Petersburg & Clearwater
Mortgage lender in St. Petersburg FL. Serving St. Pete, Clearwater, Largo, Pinellas Park, Dunedin, and all of Pinellas County.
Florida
Daytona Beach & Space Coast
FHA loan officer in Daytona Beach FL. Serving Daytona Beach, Deltona, Palm Bay, Melbourne, Cocoa, and Volusia and Brevard Counties.
Florida
Gainesville & Ocala
USDA loan specialist in Gainesville FL. Serving Gainesville, Ocala, Alachua, Newberry, and Marion and Alachua Counties. USDA eligible areas nearby.
Florida
Tallahassee & Pensacola
Home loan in Tallahassee FL. Serving Tallahassee, Pensacola, Panama City, Destin, Fort Walton Beach, and the Florida Panhandle.
Florida
Port St. Lucie & Treasure Coast
Mortgage lender in Port St. Lucie FL. Serving Port St. Lucie, Stuart, Vero Beach, Sebastian, and St. Lucie, Martin, and Indian River Counties.
Florida
Lakeland & Polk County
FHA mortgage lender in Lakeland FL. Serving Lakeland, Winter Haven, Bartow, Plant City, Haines City — one of Florida's most USDA-eligible corridors.
Florida
Key West & Florida Keys
Jumbo loan officer in Key West FL. Monroe County has higher FHA loan limits. Serving Key West, Marathon, Islamorada, and all of the Florida Keys.
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For Our Clients
