Ryan Torres is Florida raised and a graduate of Florida State University with a ton of real estate and mortgage experience. He originally obtained his Florida Real Estate License in 2005 and then also became licensed as a Mortgage Broker in 2014 so he can not only help his clients around many obstacles in the Real Estate but he can provide you with 100% reliable financing and take you all the way through closing. He hangs his Mortgage Broker License at Lincoln Lending Group located right here in Tampa, Florida. He has is most familiar with Tampa to include the areas of Lutz, Northdale and St. Pete. There is nothing he will not do for his clients and is always willing to go the extra mile to ensure clarity in understanding and communication. When it comes to qualifying someone for “How much house can I afford?”, he is a wiz and will be able to explain the basics to specifics as to what you will need to do to ensure you get the lowest possible interest rate as well as the best loan program for the type of income and assets one might have at purchase time. Ryan does VA Loans as well as Conventional and Subprime so do not be intimidated to reach out even if you have a low credit score. Additionally, he can run a credit analyzer and tell you exactly what you will need to do raise your credit score. He is available pretty much all day every day for questions and has a strong network of referral partners to make sure everyone feels like they have the greatest real estate concierge contact in the business.