Lozada Branch of Florida NMLS No.2167551

Lozada Branch of Florida NMLS No.2167551 With over 30 years of experience in the mortgage industry, we specialize in helping clients navigate all types of loan needs.

Our team prides itself on exceptional customer service, ensuring that you feel supported every step of the way. Hometown Lenders is licensed under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking

Texas Mortgage Banker Disclosure - Figure: 7 TAC 81.200(c) "CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICEN

SED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV."

I’ll never forget sitting across from a client who almost missed out on saving over $150,000 — just because they didn’t ...
05/08/2026

I’ll never forget sitting across from a client who almost missed out on saving over $150,000 — just because they didn’t know what to ask. 😳

They thought once you locked in your mortgage rate, that was it.
But the truth is, sometimes the smartest move isn’t the loan you pick — it’s the questions you ask before you sign.

The game-changer?
👉 “Does this loan have a pre-payment penalty?”

Because if the answer is no… you have the green light to throw extra payments at your loan, knock off years of payments, and save a small fortune in interest.

Not a homeowner yet?
That’s okay — this is exactly the kind of insider info you’ll want in your back pocket.

Save this post for later and comment GUIDE below and I’ll invite you to a FREE 10-minute strategy call — quick, simple, and all about helping you win in today’s market!

05/07/2026

Most people think about saving money on their mortgage…
But what if you thought about saving time instead?

Imagine waking up 10 years earlier without a mortgage hanging over your head.
10 more years of freedom.
10 more years of traveling, memories, and peace of mind.

And it all starts with one small habit:

➡️ Divide your monthly mortgage payment by 365
➡️ Set a tiny daily transfer
➡️ At the end of the year, apply it straight to your principal only!

Small steps today = huge wins tomorrow.
And your future self will be so grateful you started. ❤️

“Can I qualify for a mortgage making $30 an hour?”That was the question — and it kicked off a real conversation I recent...
05/06/2026

“Can I qualify for a mortgage making $30 an hour?”
That was the question — and it kicked off a real conversation I recently had with someone thinking about homeownership.

First, we worked through the basics:

$30/hour × 40 hours/week × 52 weeks/year = $62,400/year gross income.
Dividing by 12, that’s about $5,200/month — and lenders use your gross income (before taxes) to qualify you.

Then we applied the 45% rule:

👉 45% of $5,200 = about $2,340 allowed for ALL debts, including a mortgage.

They had a $400 car payment and a $100 credit card minimum.
After subtracting $500 in other debts, we had about $1,840 left for housing.

Fast forward through the math…

At today’s rates, $1,840 would cover a mortgage around $200,000, plus property taxes, mortgage insurance, and homeowners insurance.
With 5% down, that meant they could afford a home around $210,000.

The takeaway?
You don’t need to earn six figures to make homeownership happen — you just need someone to help you map it out (👋 Hello )

Drop a 🏡 in the comments if you want me to run YOUR numbers too! You might be closer than you think.

05/05/2026

🌮🎉 Happy Cinco de Mayo, Orlando! 🎉🌮
Let’s TACO ‘bout it…

Here are my favorite Mexican restaurants around Orlando 🌶️👇
(In no particular order—because they’re all 🔥🔥)

🌮 Gringos Locos – For tacos al pastor and those late-night vibes 🌙
🌯 Agave Azul – If you want queso so good it might actually change your life 😍🧀
🥑 Hunger Street Tacos – Best guac + artsy, cozy patio vibes 🌮🎨
🍹 Rocco’s Tacos – Two words: table-side guacamole 🥑🔥
🌶️ MX Taco – Authentic flavors and chef-crafted street-style tacos 🌟

Whether you’re team margarita, mojito, or just here for the churros… Orlando’s got you covered 🍹🍮

Tag your go-to taco spot or drop your fave Mexican dish in the comments 👇
Let’s share the love (and the salsa)! 💃🌮

And hey — if you’re new to Orlando or thinking about making a move here…
🌟 this is just one delicious reason to fall in love with the city 🌟

No tea. No shade. No drama.Just a full inbox of your PDFs — crisp, complete, and on time. 😎Because behind every smooth c...
05/04/2026

No tea. No shade. No drama.
Just a full inbox of your PDFs — crisp, complete, and on time. 😎
Because behind every smooth closing is a borrower who sent everything without making me chase like it’s a reality show.

Tag your “organized friend” who would totally crush a mortgage app. 👇

Turning your home dreams into ‘Approved’ realities is what I live for! 🏡 From the moment you start dreaming of a new hom...
05/02/2026

Turning your home dreams into ‘Approved’ realities is what I live for! 🏡 From the moment you start dreaming of a new home to the second you get your approval, I’m here to navigate the maze of mortgage paperwork and fine print.

Let’s leave the ‘almosts’ and ‘maybes’ in the dust and move you into the ‘definitely approved’ lane. Because making your homeownership dreams come true? That’s exactly what I do.

If you’re ready to start this journey, there’s only one thing left to do: Comment ‘READY’ below! Let’s make those home dreams a reality together ✨

05/01/2026

Hello, May — mark your calendars!

Here are a few dates you’ll want to keep on your radar this month 👇

May 5 – Cinco de Mayo → Cue the tacos, margaritas, and neighborhood fiestas. I’ll be talking about my favorite Mexican restaurants around town so stay tuned for that🌮

May 11 – Mother’s Day → Whether it’s brunch, blooms, or just a quiet moment—celebrate the women who made us 💐

May 26 – Memorial Day → Long weekend plans? Think parades, BBQs, and honoring the heroes who gave it all

May is your pre-summer warm-up.

It’s longer days, iced coffee, and that let’s just do it energy.

Whether you’re thinking about moving, planting a garden, or simply cleaning out the garage— follow along as I’ll be going over it ALL this month 💛

What’s one thing you’re excited for this May? Drop it in the comments—I’d love to cheer you on 👇

04/30/2026

When a client asks if they can send their friends or family to me… yeah, that’s the kind of thing that makes my whole day.

Because a referral is never just a name.
It’s trust.

It means your experience with me was strong enough that you’d feel good putting your name behind mine and that means a lot to me every single time.

I don’t take that lightly.
The people you send my way will always be taken care of with the same attention, honesty, and effort I’d want for you.

So if you’ve ever referred me to someone, thank you.

Really.

It means more than you probably realize.

04/29/2026

You’ve sent everything.

Pay stubs.
Bank statements.
W2s.
Probably your kindergarten diploma.

You’re mentally at the closing table.

Then I say…

“Hey, we just need one more document.”

And you just stand there… stone face… internally buffering.

Relax.

“Just one more document” is lender code for
we’re almost done.

04/28/2026

Some conventional loans actually offer slightly better interest rates when buyers put less than 20% down.

Here’s the strategy you may want to consider:

• Buy with 5–15% down
• Lock in the lower interest rate
• After closing, recast the loan

A recast lets you put a lump sum toward the loan later, which can:

• Lower your payment
• Reduce the balance
• Remove mortgage insurance

Every situation is different, but understanding the options can change how buyers approach their purchase.

Address

618 E South Street Suite 500
Orlando, FL
32801

Website

Alerts

Be the first to know and let us send you an email when Lozada Branch of Florida NMLS No.2167551 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category