Loans by Luis

Loans by Luis Luis O. Hernandez - Mortgage Loan Originator
NMLS # 58912 Ph. #786-229-6200

After living and working in South Florida since 1989, I know the area in ways that the big, impersonal companies and online lenders just can't match. I know the local real estate agents, the appraisers, the unique requirements of owning property in South Florida. That means I know how to make sure the process of qualifying for a mortgage is convenient, with no surprises and no delays. It would onl

y be fair to say that while not every transaction is easy, my clients are always delighted with my service and the way that I am always available to answer their questions or help them resolve any concerns, be it by phone, email, or text message.

11/19/2025
With the season of growth all around us, it could be the right moment to explore a new home. Transitions are happening e...
04/04/2025

With the season of growth all around us, it could be the right moment to explore a new home. Transitions are happening everywhere—why not make one of them your next big move? Let’s chat about how you can make this spring your season for a fresh start!

We live and work right here in the community, so we understand every neighborhood, trend, and market shift. That means w...
04/02/2025

We live and work right here in the community, so we understand every neighborhood, trend, and market shift. That means we can guide you with confidence and clarity—because we know it best.

A tax refund is money you overpaid to the government throughout the year, and while it may feel like a windfall, it’s ac...
03/31/2025

A tax refund is money you overpaid to the government throughout the year, and while it may feel like a windfall, it’s actually your own money coming back. Instead of treating it as extra cash, use it to pay down high-interest debt or boost your savings. A smart refund strategy can pave the way to homeownership!

When it comes to planning for retirement and buying a home, one doesn’t have to come at the expense of the other. With t...
03/28/2025

When it comes to planning for retirement and buying a home, one doesn’t have to come at the expense of the other. With the right strategy, you can work towards both goals—ensuring a stable home today and a secure future tomorrow.

Lenders use your work history to gauge your income stability and your ability to repay a mortgage. Whether you're salari...
03/26/2025

Lenders use your work history to gauge your income stability and your ability to repay a mortgage. Whether you're salaried, hourly, or self-employed, they’ll likely request two years of pay stubs, W-2s, or tax returns to assess your financial reliability. Keep your records ready!

From credit card bills to medical expenses, debt can be overwhelming. But tackling it doesn’t have to be stressful. A ca...
03/24/2025

From credit card bills to medical expenses, debt can be overwhelming. But tackling it doesn’t have to be stressful. A cash-out refinance could be one option to help consolidate and manage your debt more effectively. Explore your options and take control today!

When house hunting, don’t forget to consider your pet’s needs — from a safe yard to enough space to play and relax. A ha...
03/21/2025

When house hunting, don’t forget to consider your pet’s needs — from a safe yard to enough space to play and relax. A happy pet means a happy home!

Set a clear budget for both the home and other moving expenses. It’ll help you avoid surprises and keep your finances in...
03/19/2025

Set a clear budget for both the home and other moving expenses. It’ll help you avoid surprises and keep your finances in check!

Already a homeowner? It might be time to put your home’s equity to work and a cash-out refinance could be a game-changer...
03/17/2025

Already a homeowner? It might be time to put your home’s equity to work and a cash-out refinance could be a game-changer. Reach out to learn how it can help you achieve your financial goals.

Whether you're looking to purchase short-term or long-term rental properties or expand your investment portfolio, VanDyk...
03/14/2025

Whether you're looking to purchase short-term or long-term rental properties or expand your investment portfolio, VanDyk Mortgage has options for your success. This program focuses on the property's expected rental income rather than your personal income or employment history, meaning you can qualify based on the cash flow of the property itself, not traditional financial documentation.

It’s not just a distant dream—it’s a realistic milestone that can be achieved with the right approach. Let’s make this y...
03/12/2025

It’s not just a distant dream—it’s a realistic milestone that can be achieved with the right approach. Let’s make this year the one where you take control of your future and invest in a place to call your own.

Address

Miami, FL

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+17862296200

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