Whether you're a first-time buyer, looking to refinance, or investing in South Florida real estate — I'll walk beside you every step of the way.
From conventional to government-backed loans, I offer a full range of financing options tailored to your financial goals and timeline.
Buying your first home in Miami shouldn't feel overwhelming. I'll guide you through FHA, conventional, and down-payment assistance programs with clear, jargon-free explanations.
Lower your monthly payment, shorten your term, or cash out equity — whatever your goal, I'll run the numbers and show you exactly what refinancing can do for your situation.
Miami's luxury market requires specialized financing. I work with competitive jumbo programs designed for high-value properties in Brickell, Coconut Grove, and beyond.
Serving those who serve — veterans and active-duty military qualify for VA loans with no down payment. USDA loans offer similar benefits for eligible rural and suburban areas.
Expanding your Miami real estate portfolio? I offer competitive rates and flexible terms for rental properties, multi-units, and fix-and-flip financing.
Building your dream home in South Florida? I can help you secure construction-to-permanent financing with competitive rates and flexible draw schedules.
I grew up in Miami, and I've watched this city transform into one of the most dynamic real estate markets in the country. That's why I became a mortgage loan originator — to help people navigate it with confidence.
I don't believe in one-size-fits-all loans or high-pressure sales tactics. Every borrower has a different story, a different budget, and a different definition of what home means. My job is to listen, explain your options clearly, and find the loan that actually fits your life.
Whether you're closing on a condo in Brickell, a family home in Coral Gables, or a beachfront investment in the Keys — I'm here for you from pre-approval to closing day and beyond.
I've streamlined the process so you know exactly what to expect — no surprises, no confusion.
We start with a free, no-obligation conversation. I'll learn about your goals, budget, and timeline so I can recommend the right loan program.
I'll pull your credit, review your finances, and submit your application. Most pre-approvals are completed within 48 hours — sometimes faster.
With your pre-approval in hand, you're ready to shop with confidence. I'm available anytime to answer questions or adjust your loan as needed.
I coordinate with your realtor, title company, and underwriter to make closing smooth. You'll know exactly what to bring and when to sign.
"Ricardo made our first-home purchase feel effortless. He walked us through every step, answered our endless questions, and got us a rate we didn't think was possible in this market."
"I refinanced my condo in Brickell and saved over $400 a month. Ricardo was transparent about every fee and didn't push products I didn't need. That kind of honesty is rare."
"As a veteran, I thought I knew what VA loans offered — until Ricardo showed me options I hadn't considered. He closed my loan in under 30 days. Incredible service."
A free consultation takes less than 15 minutes and could save you thousands over the life of your loan. Let's talk.
Fill out the form and I'll get back to you within one business day — or reach out directly. I'm always happy to answer questions, no matter how small.
