Ronald Cepeda Mortgage Loan Originator NMLS# 407464

Ronald Cepeda Mortgage Loan Originator NMLS# 407464 I make complex home loans simple. 🏡
More approvals. More options. Less stress.

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Mortgage Loan Originator NMLS # 407464
Pioneer Mortgage Funding NMLS #1980

After graduating with a degree in World Economics and Business from The Ohio State University. Ronald began his career as a personal banker in the finance industry and then transitioned to become a residential mortgage loan officer. Ronald then transferred to South Florida with his wife and their two children. With his Midwest Values and diligent approach, Ronald ensures he matches applicants with

the right mortgage program that aligns with their goals. He does this by thoroughly understanding his customer’s needs, staying current on new and existing mortgage programs, and finally delivering an exceptional customer experience. His customers enjoy the peace of mind in knowing that they have selected a loan to fit their needs. Whether it’s a first time buyer, a seasoned investor, or an international client interested in securing a mortgage. Ronald has the knowledge and access to a variety of mortgage products that welcomes all scenarios. In his free time Ron enjoys spending it with his family, relaxing outdoors, fishing, riding bikes at the beach, and of course rooting for his Ohio State Buckeyes.

06/11/2026

🏡 You Don't Need $1.3 Million To Buy This House

That's one of the biggest misconceptions buyers have.
When people see a $1.3 million price tag, they immediately assume they need $1.3 million in the bank. The reality is that most buyers use financing, and there are several loan options available depending on your income, assets, credit score, and overall financial picture.
The biggest mistake I see buyers make is shopping for homes before they know their buying power.
A simple conversation can help you understand:
✔️ How much home you can afford
✔️ What your monthly payment may look like
✔️ How much cash you'll need to close
✔️ Which financing strategy makes the most sense for you
Before you start house hunting, start with a plan.
📲 Click the link in my bio and schedule a 1-on-1 Mortgage Planning Session. Let's find out what's possible.
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PMF Inc
NMLS: 407464 📲 305-785-3915

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06/09/2026

🎥 The Biggest First-Time Home Buyer Mistake

🚨 The Problem:
Most first-time buyers start looking at homes before they know what they actually qualify for.
They fall in love with a house, only to discover the payment is higher than expected, the financing doesn't work, or the home isn't within their buying power.

âś… The Simple Solution:
Get pre-approved before you start shopping.
A pre-approval gives you:
✔️ Your true buying power
✔️ A realistic monthly payment
✔️ The best financing options available
✔️ A clear roadmap to homeownership
The most successful buyers make a plan first and shop second.

📲 Call to Action:
Ready to find out what you can qualify for?
Click the link in my bio and schedule a 1-on-1 Mortgage Planning Session with me. We'll review your goals, your buying power, and create a personalized game plan to help you buy with confidence.
~

PMF Inc
NMLS: 407464 📲 305-785-3915

~

01/27/2026

$2.8M closed without tax returns.
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This wasn’t a loophole. It was the right loan structure for the right borrower. Not every client fits inside a W-2 box or a tax-return-driven approval model.
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This deal was approved based on:
• Assets
• Liquidity
• Net worth
• Strong overall financial profile
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Complex deals don’t need luc they need experience.
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📩 DM me “STRUCTURE”
I’ll tell you if your deal is possible before you waste time.
~
PMF Inc
NMLS: 407464 📲 305-785-3915
~

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Disclaimer: This loan program is available to all eligible borrowers purchasing a primary residence with a conventional loan. This video is for educational purposes only and does not represent a commitment to lend. Interest rates and loan terms are subject to change at any time. Each person’s ability to borrow depends on their individual credit, debt, income, and available funds for closing costs and down payment.

01/09/2026

🚨 URGENT MESSAGE FOR MILLENNIALS 🚨
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If you’re in your 30s or 40s, still renting… or living at home “to save money”…This is your wake-up call.
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Rent is not getting cheaper. Waiting is not a strategy. And 2026 will reward the prepared, not the hopeful.
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Homeownership isn’t about luck it’s about education, planning, and ex*****on. Most people don’t buy because:

❌ They don’t understand credit
❌ They don’t know how much they can really afford
❌ No one ever explained the process A to Z
That’s what I do.
~
đź“… Book a 1-on-1 strategy session with me

I’ll show you:
• What you need to fix (credit, income, cash)
• How much home you can realistically buy
• The exact steps to be home-ready in 2026
• Which programs most people don’t even know exist
~
No pressure. No fluff. Just a plan.

👉 DM “2026” or book a call
Stop renting. Stop waiting. Start building.
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PMF Inc
NMLS: 407464 📲 305-785-3915
~

01/07/2026

Waiting until AFTER tax season to talk to a mortgage strategist.
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Those write-offs you love?
They quietly kill your buying power.
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The smart move: 🧠
✔️ Plan before you file
✔️ Structure income intentionally
✔️ Use bank statements, asset utilization, or P&L loans
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Strategy beats income. Every time.
📲 DM “BANK STATEMENT” and I’ll personally review your scenario.
~
PMF Inc
NMLS: 407464 📲 305-785-3915
~

~
Disclaimer: This loan program is available to all eligible borrowers purchasing a primary residence with a conventional loan. This video is for educational purposes only and does not represent a commitment to lend. Interest rates and loan terms are subject to change at any time. Each person’s ability to borrow depends on their individual credit, debt, income, and available funds for closing costs and down payment.

12/10/2025

10% Down Jumbo Bank Statement Mortgage built for entrepreneurs, business owners, creators, and high-income self-employed buyers who don’t fit the traditional lending box.
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DM me “BANK STATEMENTS” and I’ll personally review your scenario.
~
PMF Inc
NMLS: 407464 📲 305-785-3915
~

~
Disclaimer: This loan program is available to all eligible borrowers purchasing a primary residence with a conventional loan. This video is for educational purposes only and does not represent a commitment to lend. Interest rates and loan terms are subject to change at any time. Each person’s ability to borrow depends on their individual credit, debt, income, and available funds for closing costs and down payment.

12/09/2025

Don’t let your tax write-offs prevent you from getting a mortgage. Traditional lenders look at taxable income , I look at reality.
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Introducing my 10% Down Bank Statement Mortgage, designed specifically for entrepreneurs who reinvest into their business and don’t fit the traditional lending box. Stop letting your deductions hold you back from the home or investment you deserve.
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Program Highlights:
✔️ 10% Down
✔️ Loan amounts up to $3,000,000
✔️ No tax returns required
✔️ Qualify using 12–24 months of bank statements
✔️ Perfect for business owners, 1099 earners, LLC owners, gig workers, and high-income self-employed buyers
✔️ Fast, flexible approvals
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DM me “BANK STATEMENTS” and I’ll personally review your scenario.
~
PMF Inc
NMLS: 407464 📲 305-785-3915
~

~
Disclaimer: This loan program is available to all eligible borrowers purchasing a primary residence with a conventional loan. This video is for educational purposes only and does not represent a commitment to lend. Interest rates and loan terms are subject to change at any time. Each person’s ability to borrow depends on their individual credit, debt, income, and available funds for closing costs and down payment.

10/27/2025

💼 How the Self-Employed Buy Homes with No Tax Returns 🏠
*
If you own a business or work for yourself, you don’t need to wait until next year’s taxes to qualify for a mortgage. With my 3–12 Month Bank Statement Program, we use your business deposits, not tax returns, to show your income.
*
✅ 3–12 months of bank statements
âś… As little as 3.5 % down
âś… Competitive rates
âś… Perfect for entrepreneurs, realtors, and small business owners
*
📲 DM me “BANK STATEMENTS” and I’ll show you how to qualify today.
~
PMF Inc
NMLS: 407464 📲 305-785-3915
~

~
Disclaimer: This loan program is available to all eligible borrowers purchasing a primary residence with a conventional loan. This video is for educational purposes only and does not represent a commitment to lend. Interest rates and loan terms are subject to change at any time. Each person’s ability to borrow depends on their individual credit, debt, income, and available funds for closing costs and down payment.

Think you need a big down payment to buy a home?🤔Think again. Some buyers are getting in with ZERO down! 🏡💥~If your cred...
04/23/2025

Think you need a big down payment to buy a home?
🤔
Think again. Some buyers are getting in with ZERO down! 🏡💥
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If your credit is solid, your debt is in check, and your profession qualifies, you could be closer to homeownership than you think.
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DM me to see if you qualify – no pressure, just real info.
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PMF INC
NMLS:407464 📲305-785-3915
~

Address

Miami, FL

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm
Saturday 9am - 7pm
Sunday 9am - 12pm

Telephone

+1 305-785-3915

Website

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