About Roberto Piñeiro
Licensed Mortgage Broker | 20+ Years Experience | Florida & Texas Expert
Why I Became a Mortgage Broker
For over 20 years, I've had the privilege of helping families achieve their dream of homeownership. What drives me isn't just closing loans—it's the moment when a first-time buyer gets their keys, when a family refinances and saves hundreds monthly, or when an investor grows their portfolio.
I started in this industry because I believe everyone deserves transparent, honest guidance through one of life's biggest financial decisions. Too many people feel confused or overwhelmed by the mortgage process. My mission is simple: treat every client like family, explain everything clearly, and find the best solution for their unique situation.
Whether you're buying your first home, refinancing to save money, or building a real estate portfolio, I'm here to guide you every step of the way with the expertise that comes from 20+ years and thousands of successful closings.
Areas of Expertise
Homebuyers
First-time buyers and move-up purchasers. Expert guidance through FHA, VA, USDA, conventional, and jumbo loans with personalized strategies for your situation.
Refinancing
Lower your rate, reduce payments, or access equity. Rate-and-term refinancing, cash-out refinancing, and strategic mortgage restructuring.
Real Estate Investors
DSCR loans with no income verification, portfolio loans, fix-and-flip financing, and multi-family property strategies for growing rental portfolios.
Bilingual Services
Complete mortgage services in English and Spanish, proudly serving Hispanic and Latino communities throughout Florida and Texas.
Professional Background
With 20+ years in the mortgage industry since 2004, I hold active licenses in both Florida and Texas and maintain full compliance with all state regulations and continuing education requirements.
My specialized training includes FHA, VA, and USDA government programs, DSCR investor financing, reverse mortgages (HECM), and complex loan scenarios requiring creative solutions. I've helped thousands of families achieve homeownership through expert guidance, transparent communication, and personalized strategies.
I'm proud to serve diverse communities including first-time buyers, military families, real estate investors, and Spanish-speaking clients throughout Florida and Texas.
When I'm Not Helping Clients
When I'm not working with homebuyers and investors, you'll find me spending time with my family, playing golf, or traveling. These personal interests remind me why helping families achieve homeownership matters—it's about creating stability, building wealth, and making dreams come true.
What Makes Home Sweet Home Financing Different
Transparent Process
No hidden fees, no surprises. I explain every step clearly and provide complete cost breakdowns upfront so you know exactly what to expect.
Multiple Lender Access
As a broker, I shop your loan across multiple lenders to find you the best rate and terms—not just what one bank offers.
Personalized Service
You're not a number. I take time to understand your goals, answer your questions, and create a mortgage strategy tailored to your unique situation.
Real Results for Real Families
"Roberto did an amazing job on our home loan. This is our 6th home purchase and he provided the best experience we've had!"
"Roberto was able to find a loan for us after we had tried other options unsuccessfully. We actually thought we would not be able to buy, but he made it happen!"
"Roberto has helped us with buying our first home and two refinances over the years. He is the person we go to for anything mortgage-related!"
Serving All of Florida & Texas
As a licensed mortgage broker in both Florida and Texas, I serve clients throughout both states—from Miami to Jacksonville, Tampa to Orlando in Florida, and from Houston to Dallas, Austin to San Antonio in Texas.
Whether you're in a major metropolitan area or a smaller community, we provide the same expert service and competitive rates. Licensed to serve all counties in FL & TX.
Let's Discuss Your Mortgage Goals
Whether you're buying your first home, refinancing to save money, or growing your investment portfolio, I'm here to help.
Get Pre-Approved in 24 Hours
Start your formal application and receive your official pre-approval letter.
Start My ApplicationSchedule a Free Consultation
Talk through your situation, ask questions, and get expert guidance with no pressure or obligation.
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