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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 En personal contento con el trato se nos dio y muy atentos a mis preguntas muy satisfechos. Recomendados Juan De DiosHaines City, FL Aug 05
En personal contento con el trato se nos dio y muy atentos a mis preguntas muy satisfechos. Recomendados
Rating: 5.0 out of 5.0 from Encompass Everything was done in a timely manner which is very important. Christian CruzHaines City, FL Aug 01
Everything was done in a timely manner which is very important.
Rating: 5.0 out of 5.0 from Encompass As a Realtor, I’ve had the opportunity to work with many mortgage professionals, and I can confidently say that Naomi and her entire team are truly exceptional. Their commitment to every transaction goes far beyond expectations. They work tirelessly to find solutions, overcome challenges, and ensure every loan reaches the closing table smoothly a... Glenn AKissimmee, FL Jul 13
As a Realtor, I’ve had the opportunity to work with many mortgage professionals, and I can confidently say that Naomi and her entire team are truly exceptional. Their commitment to every transaction goes far beyond expectations. They work tirelessly to find solutions, overcome challenges, and ensure every loan reaches the closing table smoothly a...
Rating: 5.0 out of 5.0 from Encompass what made it great was the communication the team was on top of everything always letting me know every details honestly I recommend this group to everyone and everybody thank you guys. Francheska MarieSaint Cloud, FL Jun 01
what made it great was the communication the team was on top of everything always letting me know every details honestly I recommend this group to everyone and everybody thank you guys.
Rating: 5.0 out of 5.0 from Encompass Experiencia unica , un gran trabajo de todo su equipo ! Sobre todo un compromiso de primer nivel ! Muchas gracias por tan buen servicio DavidOrlando, FL May 01
Experiencia unica , un gran trabajo de todo su equipo ! Sobre todo un compromiso de primer nivel ! Muchas gracias por tan buen servicio
Rating: 5.0 out of 5.0 from Encompass Excellent work, very conmunicative, responsibl, and friendly. I am very pleased with her work and dedicatio. Albert DavidSaint Cloud, FL Apr 29
Excellent work, very conmunicative, responsibl, and friendly. I am very pleased with her work and dedicatio.
Rating: 4.8 out of 5.0 from Encompass Very professional and polite team members Julian EnriqueMontverde, FL Apr 27
Very professional and polite team members
Rating: 5.0 out of 5.0 from Encompass The way they treat customers—the kindness, patience, and charisma. LismarieSaint Cloud, FL Apr 26
The way they treat customers—the kindness, patience, and charisma.
Rating: 5.0 out of 5.0 from Encompass She is the Best ElizabethOrlando, FL Apr 25
She is the Best
Rating: 5.0 out of 5.0 from Encompass I had the pleasure of working with Naiomi Perez as the loan officer for my client, and I couldn’t be more satisfied with the experience. Naiomi demonstrated exceptional professionalism, clear communication, and a deep understanding of the lending process from start to finish. She kept everyone informed at every stage, handled challenges efficient... Christian EloyEUSTIS, FL Apr 09
I had the pleasure of working with Naiomi Perez as the loan officer for my client, and I couldn’t be more satisfied with the experience. Naiomi demonstrated exceptional professionalism, clear communication, and a deep understanding of the lending process from start to finish. She kept everyone informed at every stage, handled challenges efficient...
Rating: 5.0 out of 5.0 from Encompass toda la experiencia y aprendizaje fue excelente para nosotros recomendamos 100% Ramon LuisSaint Cloud, FL Apr 07
toda la experiencia y aprendizaje fue excelente para nosotros recomendamos 100%
Rating: 5.0 out of 5.0 from Encompass Great communication and service to my client. Christian EloyKissimmee, FL Mar 18
Great communication and service to my client.
Rating: 5.0 out of 5.0 from Encompass I had an outstanding experience working with my mortgage loan officer Naomi Perez . From start to finish, the entire process was handled with professionalism, transparency, and genuine care. They took the time to clearly explain every step, answered all of my questions promptly, and made what could have been a stressful process feel smooth and mana... DestinieSaint Cloud, FL Mar 06
I had an outstanding experience working with my mortgage loan officer Naomi Perez . From start to finish, the entire process was handled with professionalism, transparency, and genuine care. They took the time to clearly explain every step, answered all of my questions promptly, and made what could have been a stressful process feel smooth and mana...
Rating: 4.8 out of 5.0 from Encompass Great team, great communication. Very professional Christopher EPalm Bay, FL Mar 05
Great team, great communication. Very professional
Rating: 5.0 out of 5.0 from Encompass Quiero dar mis más grandes agradecimientos a Naiomi Perez por toda la ayuda que me brindó en el proceso de la compra de mi casa, por toda la paciencia. Desde el primer momento fue muy amable y profesional se las recomiendo 100 por ciento.Agradecido de haber contado contigo . Jose DanielKISSIMMEE, FL Feb 21
Quiero dar mis más grandes agradecimientos a Naiomi Perez por toda la ayuda que me brindó en el proceso de la compra de mi casa, por toda la paciencia. Desde el primer momento fue muy amable y profesional se las recomiendo 100 por ciento.Agradecido de haber contado contigo .
Rating: 5.0 out of 5.0 from Encompass Siempre que he trabajado con ella ha sido excellente excelente y responsable SoniaKissimmee, FL Jan 28
Siempre que he trabajado con ella ha sido excellente excelente y responsable
Rating: 5.0 out of 5.0 from Encompass Naiomi has an excellent way of communicating, she responds quickly and helps you understand the process. She also guides you through the entire process. Thank you very much to Naiomi and her team for their service. Myrna YanizKissimmee, FL Jan 28
Naiomi has an excellent way of communicating, she responds quickly and helps you understand the process. She also guides you through the entire process. Thank you very much to Naiomi and her team for their service.
Rating: 5.0 out of 5.0 from Encompass How all my questions and concerns we're answered. NorgieKISSIMMEE, FL Dec 13
How all my questions and concerns we're answered.
Rating: 5.0 out of 5.0 from Encompass As YourHomeWithGlenn, I had the pleasure of working with Naomi on my client’s recent home purchase, and the experience was excellent from beginning to end. Her communication was clear, consistent, and always timely. She guided the loan process with confidence, professionalism, and genuine care for the buyer—making everything smooth all the way ... GlennKISSIMMEE, FL Dec 10
As YourHomeWithGlenn, I had the pleasure of working with Naomi on my client’s recent home purchase, and the experience was excellent from beginning to end. Her communication was clear, consistent, and always timely. She guided the loan process with confidence, professionalism, and genuine care for the buyer—making everything smooth all the way ...
Rating: 4.2 out of 5.0 from Encompass Naiomi was so noce and help us Reinaldo JoseHaines City, FL Sep 19
Naiomi was so noce and help us
Rating: 5.0 out of 5.0 from Encompass What stood out the most was Naiommi’s communication — she was always available, quick to respond, and kept us updated so we never felt in the dark. Her knowledge and dedication made the process smooth and stress-free. Christian CruzSaint Cloud, FL Sep 09
What stood out the most was Naiommi’s communication — she was always available, quick to respond, and kept us updated so we never felt in the dark. Her knowledge and dedication made the process smooth and stress-free.
Rating: 5.0 out of 5.0 from Encompass You Professional HeribertoSaint Cloud, FL Sep 04
You Professional
Rating: 5.0 out of 5.0 from Encompass Fast response to my client, and make the feel at ease Carlos JavierOcala, FL Aug 07
Fast response to my client, and make the feel at ease
Rating: 5.0 out of 5.0 from Encompass Los mejores naiomy y su equipo son muy muy profesionales y eficientes yo estoy muy contento con trabajo y el resultado ayudarme hacer este sueño realidad DarielHaines City, FL Jul 02
Los mejores naiomy y su equipo son muy muy profesionales y eficientes yo estoy muy contento con trabajo y el resultado ayudarme hacer este sueño realidad
Rating: 5.0 out of 5.0 from Encompass Working hand in hand with Naiomi was a pleasant experience I had really never met someone like her so kind and helping me to solve every doubt during my process really she is wonderfully charming Thank you Naiomi for your professionalism and help Jimmy JavierHaines City, FL Jun 08
Working hand in hand with Naiomi was a pleasant experience I had really never met someone like her so kind and helping me to solve every doubt during my process really she is wonderfully charming Thank you Naiomi for your professionalism and help