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Ely Mencia - Mortgage Broker / nmls# 2222529

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United States
Celebration, FL
Ely Mencia - Mortgage Broker / nmls# 2222529

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We help homeowners and prospective homeowners obtain low fixed rate mortgages with low closing costs. NMLS licensed Loan Originators.

10/29/2026

🎃🏡 ¡Que Halloween no convierta la compra de tu casa en una pesadilla! 👻🔑

Comprar una vivienda no tiene por qué dar miedo.

Con la orientación adecuada, puedes conocer tus opciones de financiamiento y dar el siguiente paso hacia tu nuevo hogar.

🏠 Opciones de bajo pago inicial.

🔑 Programas para compradores por primera vez.

💰 Diferentes alternativas de financiamiento.

🤝 Asesoría personalizada durante el proceso.

🎃 ¡El único susto de este Halloween debería venir de los disfraces, no de tu hipoteca!

📲 Contáctame y exploremos tus opciones.

Ely Mencia | Mortgage Loan Originator

Todos los préstamos están sujetos a aprobación crediticia, requisitos de elegibilidad y condiciones del programa. Las opciones pueden variar según el solicitante.

10/29/2026

Homebuying doesn't need to be spooky. Reach out today and let me guide you through every step of the process.

10/21/2026

With the holiday season almost upon us, did you know you could close on your home even while traveling?* Reach out today and let's discuss ways you could potentially save time and money on your next mortgage.

08/18/2026

Owning in Florida was the answer the whole time.

08/12/2026

ChatGPT can explain the mortgage process. It can tell you what a pre-approval is, what escrow means, and why your lender keeps asking for the same documents 47 times. But it can’t pick up the phone, explain your situation, or help you figure out what your best move actually is. That’s where I come in. 😉 Questions about buying or refinancing? Send them my way.

08/10/2026

The first price is on the listing. The second one lives in the details: taxes, insurance, maintenance, utilities, HOA if there is one. Two properties can match on the first price and be thousands apart per year on the second. Nobody puts the second price in the photos. But it’s the one you’ll live with every month. Before your next tour, know both numbers. DM me “BOTH” and I’ll show you what the full cost picture looks like. 📲

07/30/2026

Every Lender Has Different Guidelines
A “no” from one lender doesn’t always mean the end of the road. Every lender has different guidelines, loan programs, and ways of reviewing a borrower’s situation. Sometimes the biggest advantage is simply knowing there may be other options worth exploring. That’s one of the reasons brokers exist — to help you understand the landscape and find a path that fits your goals. Have questions about your options? Let’s talk.

07/28/2026

I’ve had clients lose homes they were certain about — not because they couldn’t afford it, but because they hadn’t confirmed that they could before they fell in love with it. That’s a painful lesson. It’s also a completely avoidable one. Twenty minutes now saves a lot of heartbreak later.

07/24/2026

I became the broker I needed the day someone said "standard stuff, just sign" about the biggest debt of my life. Nothing I hand you will ever be "just sign." 🤍 I remember staring at that stack — numbers I didn't understand, terms nobody defined, a pen already pointed at me. And the feeling underneath it: I guess people like me don't get to ask. You get to ask. That's the whole policy. Ask what the term means. Ask why the number changed. Ask the "sorry if this is dumb" question — especially that one, because it never is. We'll go line by line if that's what it takes, and I'll never once check my watch. You're signing for the biggest purchase of your life. You deserve to understand every single page of it. That's not a bonus service. That's the floor. If you've been putting this off because it all feels like fine print — DM me. We'll make it make sense. 📲

07/21/2026

"Should I pay off debt or save for the down payment?" The most-asked question I get — and why the answer is different for almost every file. 💭 Everyone wants the rule of thumb. Here's the honest truth: there isn't one. And anyone handing you a universal answer isn't looking closely enough. What I CAN tell you is how the two levers work: Paying down debt affects your debt-to-income ratio — one of the key numbers in what you may qualify to borrow. Saving affects your down payment options, your reserves, and which loan programs might fit. The catch? They pull against each other, and they interact differently depending on your balances, your timeline, your income, and your goals. Two people with identical paychecks can land on completely opposite strategies — and both be right. That's why the real answer isn't a rule. It's a review. Your numbers, on paper, with the trade-offs laid out side by side — so YOU can make the call with clear eyes. (And for the bigger financial picture, your tax pro or financial advisor is a great part of the team too.) Sitting on this exact question right now? DM me "LEVERS" and let's look at your file — no rules of thumb, just your actual math. 📲

Address

610 Sycamore Street, Suite 140
Celebration, FL
34747

Telephone

+17869702561

Website

facebook.com

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