Your next home, financed right.
Miami mortgage loan officer serving all of Florida
I help homebuyers find the right financing for their goals and guide them from the first conversation to the closing table with confidence, in English or Spanish.
She was incredibly caring, patient, professional, and always there to help whenever I had a question or concern. She made the entire experience smooth and reassuring, and most importantly, she got the job done!
What could your monthly payment look like?
See the full picture: principal, interest, property taxes, homeowners insurance, HOA fees and mortgage insurance. Change any number and the breakdown updates instantly.
- Principal & interest$2,560
- Property taxes$675
- Homeowners insurance$300
- HOA fees$0
- Mortgage insurance$169
- Estimated total$3,704/mo
Taxes, insurance, HOA & mortgage insurance
No sign up needed to use the calculator. When you are ready, Nelly will walk through your real numbers with you.
Estimates are for informational purposes only and are not a loan quote or commitment to lend. Property tax, insurance, HOA and mortgage insurance figures are editable assumptions; actual amounts vary by property, county, credit, loan program and lender. Loan approval and terms are subject to credit, income, assets, property and program requirements.
Mortgage financing should feel clear, personal, and manageable.
I've been helping clients navigate the mortgage process since 2005, and I believe great service starts with communication. I take the time to understand each client's goals, explain their options clearly, and stay involved from the first conversation through closing.
Whether you're buying your first home, investing, refinancing, or need a more specialized loan program, my goal is to make the process feel less overwhelming and help you move forward with confidence.
Homebuyers who want a guide, not just a lender.
Every client is different. The plan should be too.
First-Time Homebuyers
Guidance from pre-approval through closing, with clear explanations every step of the way.
Move-Up & Repeat Buyers
Financing strategies for buyers purchasing their next home, upgrading, downsizing, or relocating.
Real Estate Investors
Loan options for investment properties, DSCR financing, rental properties, and other real estate opportunities.
Self-Employed Borrowers
Flexible financing options for business owners, 1099 earners, and borrowers with non-traditional income.
Foreign National & ITIN Buyers
Mortgage solutions for qualified buyers who may not have traditional U.S. income or residency documentation.
Homeowners Looking To Refinance
Options for homeowners looking to improve their loan structure, access equity, or refinance when it makes financial sense.
From first hello to closing day.
Let's Talk
We'll start with a quick conversation about your goals, timeline, income, and what you're looking to accomplish.
Get Pre-Approved
I'll review your information, explain your financing options, and help you understand what you may qualify for.
Find The Right Home
Once you're ready to shop, I'll stay connected with you and your real estate agent throughout the process.
Close With Confidence
From contract to closing, I'll keep you updated, help manage the financing process, and make sure you know what to expect along the way.
FINANCING FOR MORE THAN ONE KIND OF BUYER.
Every borrower — every story is different. Through ACE Florida Mortgage, I have access to a variety of loan programs and lenders, allowing me to help identify financing options that may fit your goals and financial situation.
Home Purchase
Self-Employed & Alternative Income
Investors
Specialty Loans
Not sure which option fits your situation? Let's talk.
Explore My Options
KNOW YOUR THREE NUMBERS.
Before you begin touring homes, make sure you understand these three important numbers:
The amount you qualify to borrow is not always the same as the payment you will feel comfortable making every month.
Your total housing payment may include principal, interest, property taxes, homeowners insurance, mortgage insurance and HOA fees. Your cash to close may also include more than just the down payment.
A mortgage review can help you understand the complete picture before you fall in love with a property.
Loan approval and terms are subject to credit, income, assets, property and program requirements.
What it's actually like to work with Nelly.
As a first time home buyer Mrs. Santiesteban absolutely created a safe and secure sense of understanding the complexities of buying.
Highly recommended! She helped me from beginning to end. Thanks to her, my family and I bought our first home.
Excellent customer service and trustworthy company. It was a pleasure working with them and getting the best outcome for my financial needs. Ms. Santiesteban was truly a pleasure to work with.
READY TO TAKE THE NEXT STEP?
Whether you're ready to apply or just have a few questions, I'm here to help you understand your options and decide what makes sense for you.