Your Mortgage. Your Plan. No Guesswork.

I help Florida homebuyers and veterans navigate the mortgage process with a clear plan, honest answers, and zero big-bank runaround.

Or Call Me Directly: (321) 513-1180

Clear plan before you shop

Honest rates, no bait-and-switch

Close on time, every time

NMLS #1493773 | Equal Housing Lender | Licensed in Florida | ★★★★★ Google Reviews

Buying a Home Shouldn't Feel Like a Guessing Game

The Problem

Most buyers start the process confused — overwhelmed by options, frustrated by big banks that treat them like a number, and stuck wondering if they're getting the right deal.

You deserve better than being handed a rate and told to figure it out.

The Solution

At Certified Mortgage Planners, we build you a strategy before you ever write an offer. You'll know exactly what you qualify for, which loan saves you the most money, and what every step looks like — before it happens.

Think of me as your mortgage coach, not just a lender.

See How It Works →

What You Get When You Work With Me

Know Your Numbers Before You Shop

Get pre-approved with a real plan — not just a letter. You'll know your budget, your monthly payment, and your best loan option before you tour a single home.

Someone Who Actually Picks Up the Phone

No call centers. No getting passed around. You work directly with me from application to closing — and your agent gets real-time updates too.

Close On Time With Zero Surprises

I set clear expectations at every milestone so you're never wondering what's happening. My clients and their agents know exactly where things stand.

Don't Take My Word For It

"Luis at Certified Mortgage Planners is amazing, very thorough, and made the process easy and seamless. If you are purchasing a home, he is your guy! The CMP team were in constant communication through the entire process and did a great job coordinating with my realtor, title company, and insurance broker."

— Eric Roberts

"Luis took time to explain everything. He explained options and gave great advice."

— Wendi K.

Palm Bay, FL

"Luis and the CMP team were in constant communication through the entire process and did a great job coordinating with my realtor, title company, and insurance broker which made the experience seamless."

— Timothy C.

Santa Rosa Beach, FL

Loan Programs for Every Situation

Home Purchase Loans

First home or forever home — conventional, FHA, and more with low down payment options.

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VA Loans

Served your country? You've earned the best mortgage benefit available. Zero down, no PMI.

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Refinance

Lower your rate, shorten your term, or tap into your equity. Let's see if the numbers work.

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Down Payment Assistance

Florida has programs most buyers don't know about. I'll find what you qualify for.

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Investment Property

Building a portfolio? Fix-and-flip or rental income — let's structure it right.

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Renovation Loans

Buy the fixer-upper and finance the repairs in one loan. One closing, one payment.

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Two Paths. One Choice.

Keep Guessing

Spend months shopping without knowing your real budget
Get ghosted by a big bank processor you'll never meet
Risk losing the home you love because your lender dropped the ball
Overpay because nobody showed you a better option

Get a Plan

Know exactly what you can afford before your first showing
Work directly with a local expert who answers the phone
Close confidently with clear timelines and zero surprises
Save thousands with the right loan matched to your situation

Common Questions

That's exactly what our 60-second quiz is designed to answer. Based on your situation — military service, credit profile, down payment, and goals — we'll match you with the best loan options. Then we'll review everything together on a discovery call to make sure it's the right fit.

It depends on the loan program. VA and USDA loans offer 0% down. Conventional loans start at 3% down, and FHA loans at 3.5%. Florida also has down payment assistance programs that many buyers don't know about. We'll help you find what you qualify for.

FHA loans typically require a 580+ score, conventional loans need 620+, and VA loans are more flexible with no official minimum (though most lenders look for 580-620). If your credit needs work, we can help you build a plan to get mortgage-ready.

From contract to closing, the typical mortgage takes 30-45 days. However, getting pre-approved can happen in as little as 24 hours. The more prepared you are going in, the smoother and faster the process will be.

Absolutely — VA loans are one of our specialties. We help veterans and active-duty military members take full advantage of their VA benefit: zero down payment, no PMI, and competitive interest rates. It's one of the best mortgage products available.

Yes, and we highly recommend it. Getting pre-approved gives you a clear picture of your budget, strengthens your offers, and shows sellers you're a serious buyer. Our quiz is the first step — take it and we'll get you pre-approved fast.

See All FAQs →

Ready to See What You Qualify For?

Take a quick quiz and get matched with the right loan program — no credit pull, no commitment.

Or schedule a call: (321) 513-1180