I'm Silvia Herrera, a bilingual mortgage loan originator in Miami. I compare FHA, Conventional, VA, Jumbo and Non-QM options for you, explain every number in plain language, and stay reachable from pre-approval to keys.
★★★★★ 5.0 · 10 Google reviews · English & Español
Loan finder · 4 questions
Answer four quick questions to see the loan programs worth a closer look. Your final options depend on your full credit, income and property review.
Worth a closer look
FHA or Conventional
Educational guidance only. Not a commitment to lend. All loans subject to credit, income, asset and property approval.
Loan programs
Agency loans follow Fannie Mae, Freddie Mac, FHA and VA guidelines. Non-QM loans give self-employed buyers and investors other ways to qualify.
Government · FHA
Fannie Mae · Freddie Mac
Government · VA
Non-QM · Self-employed
Non-QM · Investors
Jumbo · Equity
Not sure which one fits? Try the loan finder ↑
Florida payment estimator
In Florida, property taxes, homeowners insurance, flood insurance and HOA dues can add as much as the loan itself. Enter your own numbers below.
Estimated monthly payment
$0 / month
Estimate for education only, not a loan offer or rate quote. Does not include mortgage insurance (FHA MIP or conventional PMI), which may apply. Your actual rate, APR and payment depend on credit, program and property.
Get pre-approved for my real numbersHow it works
You'll always know which step you're on and what comes next.
I review your credit, income and assets, then compare programs so you shop with a verified budget.
Your realtor sends the contract. I lock your rate when the timing is right for you.
The home is appraised and you bind homeowners insurance, plus flood insurance if needed.
The lender verifies your file. I handle conditions quickly so nothing stalls.
You receive your Closing Disclosure at least three business days before closing.
Sign, fund, and move in. I'm still here after closing for any questions.
For realtors
I work alongside South Florida agents to turn "not yet" buyers into closings, with fast pre-approvals and clear updates at every stage. English or Spanish, your buyers get the same attention.
Direct line: (702) 470-6922 · [email protected]
Clear numbers your listing agents can trust when you submit an offer.
You and your buyer hear from me at appraisal, approval, clear to close and closing.
Bank statement, DSCR and non-warrantable condo financing for the buyers other lenders turn away.
Short sessions on FHA, Conventional and Non-QM so you can talk financing with your buyers confidently.
En español
Soy Silvia Herrera, originadora de préstamos hipotecarios en Miami. Te acompaño en todo el proceso, desde la pre-aprobación hasta recibir tus llaves, y te explico cada número en español, sin letra pequeña.
NMLS #2497009 · The Mortgage Leaders Group LLC, DBA Mortgage & Realty Leaders, NMLS #2790803 · Igualdad de oportunidades de vivienda.
Questions buyers ask me
Straight answers to the questions I hear most from Florida buyers. Don't see yours? Ask me directly.
Ask me a questionIt depends on the program. FHA guidelines allow scores down to 580 for maximum financing, though many lenders set higher minimums. Conventional loans through Fannie Mae and Freddie Mac weigh your score together with income, assets and debt. Non-QM programs set their own minimums.
Several programs offer low down payment options, and some Florida and county programs offer down payment assistance to eligible buyers. The amount depends on the loan type, price and your profile.
Yes. Agency loans usually use your tax returns. If your returns show lower income because of write-offs, a Non-QM bank statement loan calculates income from 12 or 24 months of personal or business bank statements.
The condo building must meet the project eligibility rules of FHA, Fannie Mae or Freddie Mac. Florida's condo safety laws on milestone inspections and reserves have made some buildings harder to approve. If a building doesn't qualify, a Non-QM non-warrantable condo loan may be an option.
If the home is in a FEMA Special Flood Hazard Area, federally backed loans require flood insurance. Many Florida buyers choose it even outside those zones.
A pre-approval uses a hard credit inquiry, which can cause a small, temporary drop. Credit scoring models count multiple mortgage inquiries within a short shopping window as a single inquiry.
Many purchase loans close in about 30 days. Timing depends on the program, appraisal, insurance and how quickly documents come in.
Sí. Todo el proceso puede ser en español, desde la solicitud hasta el cierre.
Pre-approval takes about 10 minutes online. Prefer to talk first? Call or text me. I answer in English or Spanish.
