Mr. Mortgage Genie

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Mr. Mortgage Genie Hector Ledesma
Mortgage Loan Officer NMLS #970284. I can help you with the purchase or refinance of your home in Florida.

09/10/2026

You do not need two years of US work history to buy a home, as consistent work experience abroad can satisfy the guideline for W2 employees.

09/09/2026

If your home has gained value or you have paid down your balance, you may be able to contact your lender and cancel private mortgage insurance without needing to refinance.

09/08/2026

A title company does far more than just stamp paperwork, as they safeguard your entire real estate transaction by verifying property rights, holding earnest money, and enforcing contract terms.

09/07/2026

With a DSCR loan, lenders qualify you based on the rental property's potential cash flow rather than relying solely on your personal job income or tax returns.

09/06/2026

An escrow account holds funds for taxes and insurance, meaning your monthly mortgage payment can change over time even with a fixed interest rate.

09/05/2026

Buying a house you cannot afford today hoping to refinance later is a risky gamble, so only purchase when the current payment, price, and required cash comfortably fit your budget.

09/04/2026

Even if you have owned a home in the past, you could still qualify for first-time homebuyer programs and assistance as long as you haven't owned a primary residence in the last 3 years.

09/03/2026

Business owners who get denied for traditional mortgages due to heavy tax write offs can still qualify for a home loan using bank statement programs to calculate true income.

Address

4901 Vineland Road Ste 120
Orlando, FL
32811

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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