Ely Mencia - Mortgage Broker / nmls# 2222529

Ely Mencia - Mortgage Broker / nmls# 2222529 We help homeowners and prospective homeowners obtain low fixed rate mortgages with low closing costs. NMLS licensed Loan Originators.

08/18/2026

Owning in Florida was the answer the whole time.

ChatGPT can explain the mortgage process. It can tell you what a pre-approval is, what escrow means, and why your lender...
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.

The first price is on the listing. The second one lives in the details: taxes, insurance, maintenance, utilities, HOA if...
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. 📲

Every Lender Has Different GuidelinesA “no” from one lender doesn’t always mean the end of the road. Every lender has di...
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.

I’ve had clients lose homes they were certain about — not because they couldn’t afford it, but because they hadn’t confi...
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.

I became the broker I needed the day someone said "standard stuff, just sign" about the biggest debt of my life. Nothing...
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. 📲

"Should I pay off debt or save for the down payment?" The most-asked question I get — and why the answer is different fo...
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. 📲

The morning routine that would make you never want to leave a neighborhood. Coffee, walk, farmer's market — what does it...
07/13/2026

The morning routine that would make you never want to leave a neighborhood. Coffee, walk, farmer's market — what does it look like? Nobody describes their dream home in square footage. They describe it in mornings. That morning exists somewhere. And the neighborhood that has it is usually closer — financially and physically — than people think. Drop yours below. And if you've been picturing it for a while — DM me. Let's find out what it actually takes.

🏡 **¿Vas a comprar una casa o ya eres propietario?**Antes de aceptar el primer préstamo que te ofrezcan, hay algo que de...
07/07/2026

🏡 **¿Vas a comprar una casa o ya eres propietario?**

Antes de aceptar el primer préstamo que te ofrezcan, hay algo que debes saber.

Un **Mortgage Broker** no representa a un solo banco. Su trabajo es ayudarte a comparar diferentes opciones de financiamiento para encontrar la que mejor se adapte a tu situación y objetivos.

Un Mortgage Broker puede ayudarte si:
✅ Vas a comprar tu primera casa.
✅ Quieres refinanciar.
✅ Eres trabajador independiente.
✅ Buscas una propiedad de inversión.
✅ Necesitas un préstamo especializado.

La compra de una vivienda es una de las decisiones financieras más importantes de tu vida. Tener acceso a diferentes alternativas puede ayudarte a tomar una decisión más informada.

📩 Si estás pensando en comprar, refinanciar o simplemente quieres conocer tus opciones, envíame un mensaje con la palabra **"CASA"** y con gusto responderé tus preguntas.

First home as a launch pad instead of a compromise — I’ve watched that reframe change the entire buying experience for c...
07/07/2026

First home as a launch pad instead of a compromise — I’ve watched that reframe change the entire buying experience for clients who came in feeling like they were settling. The right mortgage structure is what makes it a strategy instead of a sacrifice. That conversation happens before you start searching, not after.

Address

610 Sycamore Street, Suite 140
Celebration, FL
34747

Telephone

+17869702561

Website

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