I am a mother to three amazing intelligent children, a Shih Tzu (Krypto) and a Golden Retriever (Blizzard). I was born and raised in PR. Therefore, I am fluent in Spanish since it is my primary language. Hablo español! But since I've been in FL for 16 years, English has become my primary language as well.

I have been in the Real Estate Industry since 2013. Seeing my clients struggle with the financing process made me decide to obtain the Mortgage Originator License. My clients were so stressed with the process that there were times where they wanted to walk away from their dream home. Since day one, my #1 goal is to make the home purchase experience as pleasant as possible, deliver as promised, and get my clients to the closing table.

Aviso de Exención de Responsabilidad: Todas las negociaciones y los Documentos de Transacciones de Préstamos Hipotecarios se realizarán y serán proporcionado en Inglés.  Le sugerimos que trabaje con un intérprete de su elección. Podrá encontrar más información sobre el proceso de préstamo en español en https://www.consumerfinance.gov/es/herramientas-del-consumidor/hipotecas/

Welcome! Whether you are on the hunt for your first home, been down the homebuying path before or you are refinancing, a crucial part of the home financing process is selecting the right lender and Mortgage Loan Officer for you. I am proud to work for a company with a proven track record. My top priority is to provide you with the insights, loan options, tools and support to deliver a customized, straightforward and pleasant experience.



Revolutionizing the Mortgage Experience



As a powerhouse mortgage provider, KBHS Home Loans offers a wide array of home loan including: FHA, VA, USDA, conventional, and jumbo. But it's about more than just the products. We deliver our home loan services using innovative and secure technology to make it easier to communicate, share documents and stay up to date on your loan status. This technical expertise is a perfect complement to the personal service I provide to every single homebuyer and business partner.



Simple. Secure. Easy. The way homebuying should be.



I encourage you take a tour of my website and explore your journey to homeownership.

Mortgage Loan Originator

Yesmary Morales Torres is your Orlando local lender. As a loan officer at KBHS Home Loans, Yesmary is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Yesmary at (407) 212-4025 for more information!

Yesmary Morales Torres at KBHS Home Loans (NMLS #1768193)

Mortgage Loan Originator - KBHS

Pam Knox is your Orlando local lender. As a loan officer at KBHS Home Loans, Pam is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Pam at (407) 583-6983 for more information!

Pam Knox at KBHS Home Loans (NMLS #920820)

Joe Roberts is your Orlando local lender. As a loan officer at KBHS Home Loans, Joe is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Joe at (407) 777-2061 for more information!

Joe Roberts at KBHS Home Loans (NMLS #1462808)

Dahlia Deida is your Orlando local lender. As a loan officer at KBHS Home Loans, Dahlia is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Dahlia at (407) 743-2376 for more information!

Dahlia Deida at KBHS Home Loans (NMLS #1919604)

Branch Manager Non-Producing - KBHS

Sandi Arbolino is your Orlando local lender. As a loan officer at KBHS Home Loans, Sandi is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Sandi at (407) 550-0405 for more information!

Sandi Arbolino at KBHS Home Loans (NMLS #329540)

Christopher Wieckowski is your Orlando local lender. As a loan officer at KBHS Home Loans, Christopher is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Christopher at (407) 743-4724 for more information!

Christopher Wieckowski at KBHS Home Loans (NMLS #1250751)

Myriam Chiriboga is your Orlando local lender. As a loan officer at KBHS Home Loans, Myriam is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Myriam at (407) 777-2033 for more information!

Myriam Chiriboga at KBHS Home Loans (NMLS #2050053)

Santiago Caviedes is your Orlando local lender. As a loan officer at KBHS Home Loans, Santiago is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Santiago at (407) 550-0406 for more information!

Santiago Caviedes at KBHS Home Loans (NMLS #2075452)

Michelle Mickler is your Orlando local lender. As a loan officer at KBHS Home Loans, Michelle is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Michelle at (407) 743-2368 for more information!

Michelle Mickler at KBHS Home Loans (NMLS #829003)

Vanessa Martinez is your Orlando local lender. As a loan officer at KBHS Home Loans, Vanessa is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Vanessa at (407) 550-0419 for more information!

Vanessa Martinez at KBHS Home Loans (NMLS #1861530)

Simon Cuenca is your Orlando local lender. As a loan officer at KBHS Home Loans, Simon is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Simon at (407) 550-0412 for more information!

Simon Cuenca at KBHS Home Loans (NMLS #1892370)

Antonio Malusa Pepe is your Orlando local lender. As a loan officer at KBHS Home Loans, Antonio is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Antonio at (407) 550-0420 for more information!

Antonio Malusa at KBHS Home Loans (NMLS #2020149)

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              <p>KBHS Home Loans, LLC, NMLS 1542802.</p>
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              <p>Headquarters: 300 East Royal Lane, Suite 250, Irving, TX 75039 -&nbsp;(855) 378-6625</p>
              This is not an offer for the extension of credit or a commitment to lend.&nbsp;Program restrictions apply. KBHS Home Loans, LLC policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age (provided the applicant or borrower has legal capacity to enter into a binding contract), sex, marital status, disability familial status, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act, or any other prohibited basis identified under state law. KB Home and KBHS Home Loans, LLC share common ownership and because of this relationship may receive a financial or other benefit. You are not required to use both KB Home and KBHS Home Loans, LLC as a condition of settlement on your loan or for purchase or sale of any real estate.
      
              <p class="kbhs-at-element-marker">This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.<br>
                <br>
                Arizona Mortgage Banker License #0939988</p>
      
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12 Loan Officers in Orlando, FL