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Proudly serving clients across Florida.
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 5.0 out of 5.0 from Encompass My friend referred me to Jose, and we had a great experience throughout the entire process. Mercedes BeatrizOrlando, FL Aug 10
My friend referred me to Jose, and we had a great experience throughout the entire process.
Rating: 5.0 out of 5.0 from Encompass Thank you very much for helping us throughout the entire process. MarcialOcala, FL Aug 07
Thank you very much for helping us throughout the entire process.
Rating: 5.0 out of 5.0 from Encompass Jose Torres exceeded all of my expectations. From the very beginning, he took the time to explain every detail, answered every question promptly, and made sure I felt comfortable throughout the entire refinancing process. He was proactive, transparent, and always had my best interest in mind. Thanks to his dedication and persistence, we achieved a ... William HomarOrlando, FL Jul 30
Jose Torres exceeded all of my expectations. From the very beginning, he took the time to explain every detail, answered every question promptly, and made sure I felt comfortable throughout the entire refinancing process. He was proactive, transparent, and always had my best interest in mind. Thanks to his dedication and persistence, we achieved a ...
Rating: 4.8 out of 5.0 from Encompass Excellent service and explanation of the process. Jorge LuisPort Charlotte, FL Jul 28
Excellent service and explanation of the process.
Rating: 5.0 out of 5.0 from Encompass The easy process, communication and effectiveness in the process since the beginnin. Pedro JoseKISSIMMEE, FL Jul 24
The easy process, communication and effectiveness in the process since the beginnin.
Rating: 5.0 out of 5.0 from Encompass Yoel was friendly and patient with me as a first time home buyer. Breessa DanyelaTampa, FL Jun 05
Yoel was friendly and patient with me as a first time home buyer.
Rating: 5.0 out of 5.0 from Encompass Thank you very much for all your work, they were very excellent, very good work team, I congratulate you Ana AuroraCape Coral, FL Jun 01
Thank you very much for all your work, they were very excellent, very good work team, I congratulate you
Rating: 5.0 out of 5.0 from Encompass Estoy más que satisfecho con todo el proceso desde el inicio hasta el cierre , un equipo miy profesional y respetuoso y en especial el agradecimiento a José Torres por su entrega y trabajo exelente, gracias por todo , atentamente Yordanys YordanysNORTH FORT MYERS, FL May 25
Estoy más que satisfecho con todo el proceso desde el inicio hasta el cierre , un equipo miy profesional y respetuoso y en especial el agradecimiento a José Torres por su entrega y trabajo exelente, gracias por todo , atentamente Yordanys
Rating: 5.0 out of 5.0 from Encompass No tengo quejas de ningún tipo!!! De verdad que hay que decirlo!!! Valió la pena trabajar con ustedes!!! OsnelNORTH FORT MYERS, FL May 20
No tengo quejas de ningún tipo!!! De verdad que hay que decirlo!!! Valió la pena trabajar con ustedes!!!
Rating: 5.0 out of 5.0 from Encompass Excelente trabajo!! Muy profesionales! AmaurySAINT PETERSBURG, FL May 14
Excelente trabajo!! Muy profesionales!
Rating: 5.0 out of 5.0 from Encompass Son un magnífico equipo de trabajo Yahaira MDELAND, FL May 07
Son un magnífico equipo de trabajo
Rating: 5.0 out of 5.0 from Encompass Great job. Thank you so much for your help KattiaOrlando, FL May 04
Great job. Thank you so much for your help
Rating: 5.0 out of 5.0 from Encompass Great service and very smooth transaction HerminioSAINT CLOUD, FL Apr 16
Great service and very smooth transaction
Rating: 4.0 out of 5.0 from Encompass On the beging of the process some of our personal infomation was incorrect but everything got fixed and the rest of the process was perfect. MilagrosDunnellon, FL Mar 25
On the beging of the process some of our personal infomation was incorrect but everything got fixed and the rest of the process was perfect.
Rating: 5.0 out of 5.0 from Encompass The communication and the help I received from this office. I would recommend them on a heart beat. Charleen LWinter Haven, FL Mar 09
The communication and the help I received from this office. I would recommend them on a heart beat.
Rating: 5.0 out of 5.0 from Encompass He never gave up YoelWinter Haven, FL Mar 03
He never gave up
Rating: 5.0 out of 5.0 from Encompass is a miracle worker! He's very attentive always comes through for me. Communication with Jose his team is great. DavidTampa, FL Dec 31
is a miracle worker! He's very attentive always comes through for me. Communication with Jose his team is great.
Rating: 4.8 out of 5.0 from Encompass Ok todo bien y con agilidad gracias JorgeSEFFNER, FL Dec 13
Ok todo bien y con agilidad gracias
Rating: 5.0 out of 5.0 from Encompass It was a great experience because I felt heard, supported, and confident throughout the whole process. YenisleydiMiami, FL Dec 08
It was a great experience because I felt heard, supported, and confident throughout the whole process.
Rating: 5.0 out of 5.0 from Encompass Excelente servicio, muy buena comunicación y realmente son el mejor equipo 100% recomendado. ZuleicaHaines City, FL Dec 01
Excelente servicio, muy buena comunicación y realmente son el mejor equipo 100% recomendado.
Rating: 5.0 out of 5.0 from Encompass Trabajar con ellos fue muy fácil AlexisTampa, FL Nov 28
Trabajar con ellos fue muy fácil