Manuel Llera - Universe Financial

10/07/2026

🏡 Put Your Home Equity to Work

Your home equity may give you access to funds for home improvements, debt consolidation, business expenses, education, and more.

HELOC: A revolving line of credit that allows you to borrow funds as needed.
HELOAN: Provides a lump sum upfront, typically with a fixed rate and fixed monthly payments.

⚡ Fast process — closing may be possible in less than 2 weeks!

🇪🇸 Pon el Equity de tu Casa a Trabajar

El equity de tu propiedad puede darte acceso a fondos para mejoras del hogar, consolidación de deudas, gastos de negocio, educación y más.

HELOC: Una línea de crédito que te permite utilizar fondos según los necesites.
HELOAN: Recibes una cantidad fija, generalmente con una tasa y pagos mensuales fijos.

⚡ Proceso rápido — ¡el cierre puede ser posible en menos de 2 semanas!

📲 Manuel Llera | NMLS #1973552
305-972-4204 Universe Financial Corp One Stop Realty Center One Stop Title Services

10/06/2026

🏢 Looking to grow your business? Commercial loans can help you buy, refinance, expand, or invest in commercial real estate. Let’s find the right financing for your goals! 📈

🏢 ¿Quieres hacer crecer tu negocio? Los préstamos comerciales pueden ayudarte a comprar, refinanciar, expandir o invertir. ¡Hablemos de tus opciones! 📲

Manuel Llera | NMLS #1973552
📞 305-972-4204

@

10/02/2026

🏡 Think you need 20% down? Not always!
First-time buyers may qualify with a lower down payment, and assistance programs may be available. 🔑

📲 Want to see your options? Message me!

🇪🇸 ¿Crees que necesitas 20% de enganche? ¡No siempre!
Podrías calificar con un pago inicial más bajo y programas de asistencia. 🏠

📲 ¡Escríbeme para conocer tus opciones!

Manuel Llera | NMLS #1973552
Universe Financial

09/29/2026

🏡 Ready to Make Your Homeownership Goals a Reality? 🔑

Whether you’re buying your first home, moving into your next one, refinancing, building, or investing in commercial property, I’m here to help you explore your financing options.

✅ Conventional Loans
✅ FHA & VA Loans
✅ Down Payment Assistance Programs
✅ Construction Loans
✅ Commercial Loans
✅ Refinancing & Home Equity Options

Not sure where to start? Send me a message or give me a call. We can review your situation and see what options may be available to you.

📲 Manuel Llera
Mortgage Loan Originator | NMLS #1973552
📞 305-972-4204
📧 [email protected]
Universe Financial

🔑 More loan options. More opportunities.

Send a message to learn more

09/18/2026

🏡 READY TO BUY A HOME? START WITH YOUR PRE-APPROVAL! 🔑

Getting pre-approved is one of the first steps toward homeownership. Having your documents ready can help make the process faster, smoother, and easier.

Whether you’re looking to purchase, refinance, or invest, I’m here to help you understand your financing options and guide you from pre-approval to closing.

📲 Ready to get started? Contact me today!

Manuel Llera
Mortgage Loan Originator | NMLS # 1973552
📞 305-972-4204
📧 [email protected]
🏦 Universe Financial Corp | NMLS # 2435592

Financing the American Dream 🇺🇸🏠

09/18/2026

🏢 FINANCING SOLUTIONS FOR REAL ESTATE INVESTORS, DEVELOPERS & BUSINESS OWNERS! 🏗️💼

Whether you’re purchasing an investment property, expanding your business, starting a new construction project, or looking for capital for your next opportunity, Universe Financial has financing solutions designed to help.

Programs include:
• 🏗️ Construction & New Construction Loans
• 🔨 Fix & Flip
• 🌉 Bridge Loans
• 🏘️ Rental Hold & Build-to-Rent
• 🏢 Multifamily & Commercial Financing
• 🇺🇸 SBA 504 Loans
• 🇺🇸 SBA 7(a) Loans

From acquisition and development to long-term financing, I’m here to help you explore the options available for your project.

📲 Manuel Llera
Mortgage Loan Originator | NMLS #1973552
📞 305-972-4204
📧 [email protected]

REAL PROJECTS • REAL SOLUTIONS • BRIGHTER TOMORROWS

Send me a DM or give me a call to discuss your next project.

One Stop Realty Center Universe Financial Corp

09/14/2026

🏢 COMMERCIAL PROPERTY FOR SALE — PRIME MIAMI LOCATION!

An incredible opportunity for investors, developers, and business owners! This automotive/industrial property is located on a highly visible corner lot on NW 27th Ave in Miami.

📍 8975 NW 27th Ave, Miami, FL
💰 Asking Price: $4,700,000
📐 Approx. 70,000 Sq. Ft. Lot / Nearly 2 Acres
🏢 70,789 Sq. Ft. Property
🚗 Automotive / Industrial
📍 Corner Lot • High Visibility • Central Business District
🅿️ Common Parking
🏗️ Excellent investment & development potential

REAL ESTATE + FINANCING = YOUR NEXT OPPORTUNITY

Presented by One Stop Realty 🤝 Financing opportunities through Universe Financial.

📲 Interested in the property or want to explore financing options? Send me a DM today!

One Stop Realty Center Universe Financial Corp @

09/11/2026

🇺🇸 WE WILL NEVER FORGET 🇺🇸

Today, we remember the lives lost on September 11, 2001, honor the heroes who courageously served, and stand united as a nation.

9/11 • We Remember
United We Stand 🇺🇸

🕊️ In remembrance of all those whose lives were forever changed.

Universe Financial Corp
Financing the American Dream 🇺🇸

09/10/2026

🏡 HOMETOWN HEROES PROGRAM 🇺🇸
Helping Florida’s everyday heroes achieve the dream of homeownership!

💰 Receive up to $35,000 in down payment and closing cost assistance. Eligible borrowers may receive 5% of the loan amount, up to $35,000.

👩‍⚕️ Healthcare Workers
👩‍🏫 School Staff Members
🚒 First Responders
👮 Public Safety Employees
⚖️ Court Employees
🧸 Childcare Workers
🇺🇸 Active-Duty Military, Reserves, Coast Guard & Florida National Guard
🎖️ Eligible Veterans

Basic eligibility: First-time homebuyer, employed full-time (at least 35 hours/week) by a Florida-based employer, and minimum 640 FICO score.

🔑 Ready to see if you qualify? Let’s get you pre-approved!

📲 Manuel Llera
Mortgage Loan Originator | NMLS #1973552
📞 305-972-4204
📧 [email protected]
🏦 Universe Financial Corp. | NMLS #2435592

DM me “HERO” and I’ll help you explore your options.

Stop Realty CenterUniverse Financial CorpOne Stop Title Services