Meet Len Padilla.

Why I care about the numbers.

New York City is where I was born; Orlando is where I grew up. I entered real estate at 18, drawn to the way one property decision can shape a person’s next chapter. The more I learned, the more I wanted to understand the financing behind that decision. That interest grew into a passion for finance and, in June 2017, a career as a mortgage loan officer.

Today I help first-time buyers, homeowners considering a refinance and investors look beyond the rate. We talk about the monthly payment, the cash needed to close and what the loan leaves room for afterward. A loan can look appealing on paper and still feel wrong in a household budget. I want us to have that conversation before you commit.

I bring an investor’s perspective to the conversation.

I invest in real estate myself, so I look closely at the details that are easy to miss when everyone is focused on the interest rate: taxes, insurance, reserves, cash flow and how long you expect to own the property. Your goals may be very different from mine. My job is to understand them and explain the financing in a way that helps you decide.

What you can expect from me.

We will start with your goal, then review your numbers and the loan options that may fit. I will show you the monthly cost and cash needed, explain the trade-offs in plain English or Spanish, and stay engaged as you move from questions to an application and, when appropriate, toward closing. You should know what you are signing up for and why.

Tell me what you are planning. We can begin with a conversation—no pressure to know every answer already. Any preapproval or final approval depends on lender review and applicable requirements.

Len Padilla · Senior Loan Originator · NMLS #1629006 · powered by Auctus Mortgage Solutions, NMLS #2743323