I help Florida homebuyers, homeowners, self-employed borrowers, and investors understand their mortgage options. My job isn't to push a product—it's to help you compare what's available and choose a sensible next step.
I've been a licensed real estate agent since 2018, which means I understand how financing fits with contract terms, seller credits, and negotiations. That perspective helps me see the whole transaction, not just the loan.
I serve clients in English and Spanish across Florida, with strong familiarity in Miami-Dade, Broward, and Palm Beach. Mortgage decisions shape families' financial futures, and I approach them with that responsibility in mind.
I won't invent credentials, promise approval, or claim a loan volume I can't back up. What I can promise is honest guidance and a clear explanation of your options.
What guides my work
Values you can expect
Education first
I explain options, costs, and documentation before asking for your details—so you can choose a sensible next step.
Bilingual service
Clear guidance in English or Spanish. Language should never be a barrier to understanding your mortgage.
Real estate experience
Licensed as a real estate agent since 2018, I understand how financing, contract terms, and negotiations interact.
Honest assessment
I won't promise approval or push you to apply before you're ready. If more preparation makes sense, I'll say so.
Family-oriented perspective
Mortgage decisions affect families and long-term financial stability. I treat them with that weight.
Also need help with property?
Real estate services, separate from mortgage
If you're also looking for a property or want to understand your home's value, Francisco offers real estate services through a separate brokerage.
Real estate services are provided through Miranda Executive Realty, separate from mortgage services through Bright Horizon Lending Inc.. Using Francisco for both is not mandatory and does not ensure financing approval. A valuation estimate is not an appraisal.