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Opiniones públicas

Reviews de los Mortgage Brokers de PMA

Una selección de reviews y testimonios públicos asociados a nuestros Mortgage Brokers. Los resultados individuales varían. El mejor siguiente paso es una llamada corta para tu escenario.

Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

José was a vital part of our home buying process… he was with us and guided us every step of the way. It is so important to surround yourself with professionals that are sharp, hard working and responsive. Thank you for making our dreams a reality!

JR Gutierrez
30/7/2024
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

No me alcanzan las palabras para decir cuán importante ha sido para mi vida y la de mi familia… Siempre apoyándonos con sus mejores servicios y recomendaciones. Los recomiendo 100%.

Jany Perez
1/4/2024
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

José is a very good professional, very knowledgeable and dedicated to his work. My refinancing process went smoothly. He guided me at every stage and answered all my questions. I would recommend him 100%.

Mariela Ortiz
27/3/2024
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

If you are looking for a professional person to help you in the process of buying your home, you should work with Jose Diaz. Answers calls, explains everything you don't understand. You won't regret working with him.

Lissy
19/6/2022
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Jose is so professional. He takes care of our file and now we’re happy homeowners ?? Thank you for your job, your time, and the patience you had with us.

Julieth Miranda
17/6/2022
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Working with Jose Diaz has been a wonderful experience since day one. He kept in touch every step of the way and was always available to respond. Will definitely recommend Mr. Diaz to my family and friends.

Janier Chao
27/8/2021
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Muy profesional y atento. Siempre estuvo disponible para cualquier pregunta. Very professional and attentive; always available to assist with any doubts or questions.

RAMON RABELO
22/8/2021
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

José picks your phone call at any time and day. His experience in the industry is what makes him, in my opinion, the best mortgage broker I have done business with. He helped me close when others said it couldn’t be possible.

Joel Gierbolini
3/12/2020
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Jose is very professional, attentive and always responsive for our clients’ needs. He explains the buying process in detail and is very knowledgeable in his field.

Jeysson Miranda
12/11/2020
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Jose was great answering all the questions and concerns we had during the loan application process. He made the process smooth and easy to go through. Thank you so much Jose.

Carlos Agudelo
9/11/2020
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Jose Diaz salvó la compra de mi primer apartamento cuando ya no tenía esperanzas… siempre estuvo presente, explicando con paciencia y dándome confianza. Profesional excelente, con mucha experiencia. Gracias Jose.

Celia Ramos
9/11/2020
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Jose was friendly, informative and on top of everything every step of the way. Thanks for everything!

Daniela Reyes
9/11/2020
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

It was a pleasure to work with Jose. He was always available to answer any concerns. Great communication. From start to end it was a smooth transaction.

Silvia Ramirez-Lara
9/11/2020
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Jose is outstanding! He is very knowledgeable, capable, and he really loves what he does. He helped us achieve one of our American dreams: our first home!

Suanny
9/11/2020
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

En todas las transacciones que hemos trabajado juntos ha sido muy profesional: comunicativo, perseverante y conocedor. Responde todo lo que los clientes preguntan y les da asesoramiento. Definitivamente lo recomiendo ??.

Nilda Tabares
12/9/2020
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Basada en mi experiencia personal, Jose Diaz es un profesional preparado, carismático, amable y accesible. Una persona comprometida con su trabajo y clientes. No tengo ningún punto negativo que señalar.

Cecilia Romero
3/9/2020
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

A very good experience with José Diaz in Miami, FL… very professional and very trustful. José is a person you can count on.

Juan Napoles
2/9/2020
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Jose is so professional. He takes care of our file and now we’re happy homeowners ?? Thank you for his job, his time and the patience that he had with us.

Julieth Miranda
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Soy Realtor y lo recomiendo para trabajar como tu Mortgage Broker… te salva las transacciones más difíciles, busca soluciones rápidas e inmediatas. Lo recomiendo 200x200% con los ojos cerrados.

Misleydi Zayas
Jose Diaz
Jose Diaz
Mortgage Broker • NMLS 1678697

Jose is outstanding! He is very knowledgeable, capable, and he really loves what he does! He went beyond expectations and helped us achieve our first home!

Suanny Walter
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Working with Osmail was an incredible experience. It almost seemed impossible to obtain our house and with his help and dedication we achieved it. The process was very fast and very professional.

Adrian R.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Desde el comienzo tuvo mucha paciencia y nos explicó paso a paso. Muy profesional; tuvo mucho acierto en los números desde el comienzo hasta el final del cierre. Sin dudas lo contactaré en el futuro. Gracias.

ANDRES J.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Osmail promptly answered any questions, doubts, and concerns I had. He worked hard to give me the best possible deal, alternatives and advice to achieve our dream. We are eternally grateful.

Beatriz V.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Easily reachable and accommodating during the home buying process.

Christopher O.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Osmail was very clear and concise offering great advice at every step of my journey. Excellent service from beginning to end. Thank you for your professionalism and for making this such a smooth transaction.

DAUMEL D.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Excelente persona y un gran profesional, siempre es un placer que podamos trabajar juntos.

DAUMEL D.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

He was very helpful throughout the process, very communicative and always helped with each step.

Diego G.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Very helpful.

ELISA B.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Osmail Marey is an outstanding mortgage professional. He provided unwavering support through every step of the process above and beyond my expectations. His knowledge, professionalism and dedication put my mind at ease and made the entire mortgage process simple and easy.

Esmeriet L.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Our experience was very satisfying. Excellent service and advice. We have nothing negative to report. We recommend it for sure.

Francisco J.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Great person and helped throughout whole process.

FRANCISCO R.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Desde un primer momento en este proceso el Sr. Osmail se ha comportado de una forma muy profesional. Siempre pendiente y respondiendo nuestras consultas. La compra se transformó en algo placentero. Muchas gracias.

GERMAN V.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Osmail was on top of the process since the beginning. He kept me continuously updated and always answered my calls. Definitely I will recommend Osmail to all my friends.

Jaime I.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

El señor Osmail Marey Hernandez es un excelente profesional. Nos mantuvo informados de cada paso en el proceso. Siempre brindó seguridad sin importar la hora ni el día. Muy satisfechos.

Jorge M.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

The professionalism and level of advice were outstanding from the day we started to the end. We needed many explanations; the agent was patient enough to answer all our questions. Grateful for the service received.

JOSE A.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

It was a pleasure for us to have worked with you Osmail; our expectations were exceeded. You showed professionalism, capacity and efficiency during a process that was very fast. Thanks.

Jose A.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

La atención y servicio del Sr. Osmail fue magnífico todo el tiempo. Es muy profesional y entregado a su trabajo.

Jose E.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Excelente trato, muy buena comunicación. Siempre nos tuvo al tanto de todo el proceso.

Juan C.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

We receive an excellent service. Consulting and customer service helped us make the right decisions at all times. We recommend it one hundred percent.

Larisvel L.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

The service and professionalism.

Mabel Q.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Great customer service and very professional.

MADAY C.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Amazing service! Always my go-to lender for all my transactions. Very attentive and always professional.

MADELINE N.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

He is an honest and confident person. Very patient and empathetic with us. I recommend 100% his professional service.

Melba A.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Very knowledgeable & competent people to work with, plus the loan was processed very coordinated & fast!

Mercy R.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Sin dudas fue un gran placer trabajar junto a Osmail. Excelente comunicación y rapidez. Gracias por hacer realidad nuestros sueños; sin dudas serás nuestra primera opción.

Mileidys D.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Professionalism and the desire to help are values I found in Osmail. Always willing to help, very patient. Thanks to him I was able to refinance my house. Good luck!

Rodolfo S.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

The experience of refinancing my home was very satisfactory, thanks to Osmail who made everything easier. Extremely professional job. Thanks for all.

Yanelis R.
Osmail Marey
Osmail Marey
Mortgage Broker • NMLS 1418975

Osmail was very professional answering all my questions and walked me through the entire refinancing process. Highly recommend to friends and family. 5 stars for him.

Yoan M.

Testimonios y reseñas reflejan experiencias individuales y pueden no ser representativos de todos los clientes. Los resultados varían.

Calculadora hipotecaria

Mira el pago antes de enamorarte de la propiedad

Cambia entre compra y refinance y revisa el pago completo.

PMA Mortgage Calculator

Vista de pago para compradores y homeowners

Cambia entre compra y refinance sin salir de la página de reviews.

Propósito del préstamo
Programa
Plazo
años
Precio de compra
$
Inicial
%
$
Tasa
%
Impuestos
$
Seguro HOI
$
Cuota HOA
$
Otros cargos
$
Rango de crédito
Pago mensual estimado
$3,049
CompraConvencional30 años fija
PITI
APR 5.123%
P&I$2,150.18
Imp.$442.71
Seg.$301.04
MI$154.77
Precio de compra
$425,000.00
Inicial
$21,250.00 (5.0%)
Monto del préstamo
$403,750.00
Principal e interés
$2,150.18
Tasa
4.930%
APR estimado
5.123%
Impuestos mensuales
$442.71
Seguro mensual
$301.04
Seguro del préstamo mensual
$154.77
HOA mensual
$0.00
Otros cargos mensuales
$0.00
LTV
95.000%
Tasa anual del seguro del préstamo
0.460%
Rutas lender / LOS
Matriz simulada v2026-06-25. Verificar guias, pricing, lock y underwriting antes de cotizar.
LOS JSON
UWM
UWM
Agency speed • FHA/conventional • Broker workflow
Ajuste sim.: -0.08%LTV max 97%FICO min 5801-3d
The Loan Store
TLS
Agency • Non-QM fallback • HELOC/second-lien review
Ajuste sim.: 0.00%LTV max 95%FICO min 6202-4d
Rocket Pro
ROCKET_PRO
FHA • VA-adjacent workflow • Conventional comparison
Ajuste sim.: +0.08%LTV max 97%FICO min 5801-4d
Newrez
NEWREZ
Agency coverage • Non-QM options • Scenario breadth
Ajuste sim.: +0.10%LTV max 95%FICO min 6002-5d

* Caso ilustrativo solamente: precio de compra $450,000, 20% de inicial, tasa fija a 30 años, tasa de nota 6.750%, APR 6.982%, estimado con fecha de January 15, 2026.

La tasa, el APR, los impuestos, el seguro, el mortgage insurance, las reservas, el cash to close, los costos y los términos de aprobación pueden cambiar según crédito, ingreso, activos, propiedad, ocupación, documentación, mercado, overlays del lender y underwriting.

Esta calculadora es un estimate educativo. No es un Loan Estimate oficial, ni una decisión de crédito, ni una aprobación, ni un compromiso de préstamo. Antes de tomar decisiones, revisa el escenario con un profesional hipotecario licenciado y pide un Loan Estimate formal.

COBERTURA

Licenciado en Florida y Texas

Sede en Florida. Tenemos licencia en Florida y Texas, y además podemos ayudarte en cualquier otro estado a través de nuestra red de partner referrals para compra, refinanciamiento e inversión.

PMAfin — Licensed States + Nationwide Investment/Non‑QMTexas and Florida highlighted in gold as licensed states. Other states shown in translucent navy for investment and Non‑QM footprint. AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWA WI WV WY PMAfin.com

Florida y Texas significan licencia directa y presencia local de PMA. En los demás estados también podemos ayudarte con compra de vivienda principal, refinanciamiento e inversión a través de nuestra red de partner referrals.

Google
José was a vital part of our home buying process… he was with us and guided us every step of the way. It is so important to surround yourself with professionals that are sharp, hard working and responsive. Thank you for making our dreams a reality!
JR Gutierrez2024-07-31

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