Please ensure Javascript is enabled for purposes of website accessibility

Loan Officers

Royal Mortgage USA - Florida | Massachusetts | Michigan | Connecticut | Georgia | Texas | New Hampshire

Our Exceptional Team of Loan Officers

Welcome to Royal Mortgage USA, your partner and friend in realizing your dream home. We invite you to contact our representatives or use our extensive investment tools, calculators, and resources to assist you in your next step towards fufilling your mortgage needs.

Lucio Santana

Jenifer Faiotto

loan options

Find here the best option for you

Adjustable Rate
Mortgage (ARM)

There are various factors that determine the interest rate changes including market conditions, financial index and a margin.An adjustable rate mortgage (ARM) is a type of mortgage loan with specific rate terms. An ARM is usually initially fixed for a set period of time, followed by periodic adjustments according to a specific benchmark.

Conventional Mortgages

A conventional mortgage refers to a loan that is not insured or guaranteed by the federal government. A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac. It may have either a fixed or adjustable rate. The maximum limit for a conforming loan depends on the county and state you live in.

FHA Home Loans

The FHA (Federal Housing Administration) home loan is one of several government-insured loans. The FHA doesn’t lend money directly to home buyers; they insure lenders against losses that may occur from client default. Because of this, lenders have less strict requirements for borrowers.

2021 © Royal Mortgage USA NMLS# 1246268 | We’re licensed to serve as Mortgage Broker and/or Mortgage Lender in Florida (MLD1334), Massachusetts (MC1246268), Michigan (FL0022419), Connecticut (ML-1246268), and Georgia (1246268). We are also licensed to serve as a broker in Texas (NMLS ID: 2136534) and New Hampshire (24455-MB). NMLS Consumer Access / Legal Disclaimer – This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Other limitations may apply. This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the state of New York will be accepted through this site.