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I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
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
Rating: 5.0 out of 5.0 from Encompass Working with Naiomi Perez, Mortgage Loan Originator, was an absolute pleasure. Her outstanding service, clear communication, and genuine care throughout the process made a world of difference for my client. Naiomi was attentive to every detail, always responsive, and consistently went above and beyond to ensure a smooth and successful closing. I tr... GlenHarmony, FL May 30
Working with Naiomi Perez, Mortgage Loan Originator, was an absolute pleasure. Her outstanding service, clear communication, and genuine care throughout the process made a world of difference for my client. Naiomi was attentive to every detail, always responsive, and consistently went above and beyond to ensure a smooth and successful closing. I tr...
Rating: 5.0 out of 5.0 from Encompass I’m incredibly grateful to share what a wonderful experience I had throughout my home-buying journey. From start to finish, the level of service, professionalism, and care I received exceeded all expectations. Buying a home is a big step, and at times it can feel overwhelming, but thanks to the amazing support I had, the entire process was smoot... Michael AlexanderHarmony, FL May 30
I’m incredibly grateful to share what a wonderful experience I had throughout my home-buying journey. From start to finish, the level of service, professionalism, and care I received exceeded all expectations. Buying a home is a big step, and at times it can feel overwhelming, but thanks to the amazing support I had, the entire process was smoot...
Rating: 5.0 out of 5.0 from Encompass Excelente Loan Officer y muy responsable en todo lo que hace y muy amable SoniaKissimmee, FL May 28
Excelente Loan Officer y muy responsable en todo lo que hace y muy amable