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Hello,
I'm Jose Padilla
Loan Officer

NMLS#: 2513170

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Hello, welcome to my page.

As a Lakeland native, I’ve witnessed the beauty and growth of our city firsthand. Married with a son and eagerly anticipating another addition to our family, I understand the significance of finding the perfect home to build your future. With a heart for animals and a commitment to serving our community, I’m dedicated to guiding you through the mortgage process with expertise and care. Let’s embark on this journey together and realize your homeownership dreams.

All-in-One Solution

Our Loan Process...

PRE-APPROVAL

A loan pre-approval sets you up for a smooth home buying experience.

SHOP

Start working with a real estate agent and viewing homes.

LOAN APPLICATION

A few documents are needed to get a loan file through underwriting.

LOAN PROCESSING

Assemble all the necessary paperwork and details for the underwriter.

UNDERWRITING

They closely evaluate all the documentation in the loan package.

CLOSING

Documents are drawn and sent to the title company for closing.

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