Luis Torres
Loan Officer
Loan Officer|NMLS: 2670778
E: ltorres@elitemortgageadvisorsloans.com|P: (904) 666-9757
I'm here to help
Whether you're purchasing, selling, refinancing, or wanting to obtain your dream home, choosing the right loan specialist matters. With shifting market conditions and mortgage programs, you need a professional who delivers accurate financial advice. My goal is to help you and your family make the best choice.
Ready? Apply now or reach out to discuss your options!
As a local mortgage broker
I'm thrilled to introduce myself with a passion for helping individuals and families achieve their dream of homeownership. I take pride in providing personalized loan solutions tailored to meet the unique needs of every borrower. Whether you're a first-time homebuyer, looking to refinance your existing mortgage or buy your next investment property, I'm here to guide you through every step of the process. My goal is to ensure that you find the best mortgage option available, allowing you to confidently move forward with your home purchase.
With a comprehensive range of loan types available, I specialize in FHA loans, VA loans, conventional loans, and Non-QM loans. I understand that each borrower has distinct circumstances, and it's my job to match you with the right mortgage product that fits your financial situation. I firmly believe that with the right loan, homeownership is within everyone's reach.
One area where I particularly excel is in working with self- employed homebuyers. The mortgage process can be overwhelming, but I strive to make it as simple and straightforward as possible, ensuring that you feel informed throughout the journey is my top priority.
In addition to traditional mortgage products, I'm proud to offer several unique loan solutions designed to accommodate a variety of financial situations. From 1099 loans and bank statement loans to ITIN loans for those without a Social Security number, I work diligently to find the best options for self-employed individuals and foreign nationals alike.
Living and working in Jacksonville, I have a deep appreciation for this city and its diversity. Jacksonville boasts a rich culture, beautiful beaches, and a thriving economy, making it an attractive place to call home.
Whether you're interested in home purchase loans or refinancing options, I'm committed to providing you with exceptional service tailored to your individual needs. My mission is to make your mortgage journey smooth and successful, allowing you to focus on what truly mattersâmaking your house a home.