How to Find a Mortgage Loan Officer in Miami and Check Their License

To find a mortgage loan officer in Miami, look for a local, licensed loan officer who does your type of loan every week, and check their license on NMLS Consumer Access before you apply. One option is William A. Ledesma, a Florida licensed loan officer (NMLS# 1232716) and SVP of Sales at Bold Mortgage, a division of PRMG. He is based in Miami, works in English and Spanish, and helps buyers in Miami, Doral, Hialeah, Kendall and across South Florida.

Where to find mortgage loan officers in Miami

• Your real estate agent. Agents see which loan officers close on time and which do not.

• Friends and family who bought recently. Ask how the communication was, not only the rate.

• Review sites. Read recent reviews on Experience.com, Zillow and Google. You can read William's client reviews here.

• Lender directories. Banks list loan officers by city, and mortgage companies list them by branch.

• NMLS Consumer Access. The official registry of every licensed loan officer in the U.S.

How to check a loan officer's license

1. Go to NMLS Consumer Access.

2. Search by name or NMLS number.

3. Confirm they are licensed in Florida and see which company they work for.

4. Look for any regulatory actions.

Florida's Office of Financial Regulation also points consumers to NMLS for this check. William's NMLS number is 1232716. Bold Mortgage is a division of Paramount Residential Mortgage Group, Inc. (PRMG), NMLS# 75243.

Questions to ask before you choose

• Do you do FHA, VA, conventional, jumbo, DSCR and bank statement loans, or only some of them?

• Will you check the condo building or HOA before I sign a contract?

• Who will I talk to each week, you or a call center?

• Can you give me a Loan Estimate so I can compare?

• Can we do the whole process in Spanish?

• What usually slows down your closings, and how do you prevent it?

Bank, mortgage company or broker?

Banks lend their own money and usually offer their own set of programs. Mortgage companies like PRMG offer many programs, including government loans and non-QM options for self-employed buyers and investors. Brokers shop your loan to other lenders. The right fit depends on your situation. The best way to decide is to compare Loan Estimates on the same day.

Red flags

• No NMLS number on their website or emails.

• A rate quote without asking about your credit, down payment or property.

• Pressure to sign before you see a Loan Estimate.

• No answer on condo approval until after you are under contract.

• Slow replies before you even apply.

Finding a loan officer near Doral

Many Doral buyers are business owners and self-employed. Look for a loan officer who knows bank statement loans and DSCR loans, and who understands Doral's HOA and condo communities. William works with Doral buyers by phone, video and e-sign, so you do not need to drive to an office. See the Doral mortgage guide for local details.

Your action plan

1. Make a short list of two or three licensed loan officers.

2. Check each one on NMLS Consumer Access.

3. Ask the questions above.

4. Get Loan Estimates on the same day and compare.

5. Book a clarity call with William, in English or Spanish. No hard credit pull to start.

Loan officer FAQs for Miami and Doral

Where can I find mortgage loan officers in Miami, FL?

Ask your agent and recent buyers, read reviews, and check lender directories. Then confirm the license on NMLS Consumer Access. William A. Ledesma, NMLS# 1232716, is a Miami-based loan officer with Bold Mortgage, a division of PRMG, who works in English and Spanish.

How do I check if a Miami loan officer is licensed?

Search their name or NMLS number on NMLS Consumer Access. You will see their Florida license, their company and any regulatory actions.

What are the best mortgage lenders for first-time buyers in Doral, FL?

The best lender is the one that fits your situation and closes on time. First-time buyers in Doral often use FHA, conventional with 3% down, VA or Florida HomeTown Heroes. William A. Ledesma at Bold Mortgage offers all of these. Compare Loan Estimates from two or three lenders on the same day.

Where can I find mortgage loan services near Doral?

William A. Ledesma at Bold Mortgage serves Doral buyers by phone, video and e-sign, with an office at 4960 SW 72nd Ave in Miami. He offers FHA, VA, conventional, jumbo, DSCR and bank statement loans.

Is it better to use a local loan officer in Miami?

Often, yes. A local loan officer knows Miami condo rules, flood and wind insurance, HOAs and local agents. Those details cause most delays in South Florida closings.

Related guides: Miami mortgage guide, First-time buyer loans in Miami, About William A. Ledesma.

About William A. Ledesma

William A. Ledesma is a Florida licensed mortgage loan officer, Florida HomeTown Heroes specialist and SVP of Sales at Bold Mortgage, a division of PRMG. He helps buyers, homeowners and investors in Miami and across Florida, in English and Spanish. Every client gets a clear action plan from pre-approval to closing.

• Call or text: (786) 387-3676

• Email: will@williamledesma.com

• Office: 4960 SW 72nd Ave, Suite 400, Miami, FL 33155

• Client reviews: Read reviews from William's clients

William A. Ledesma, NMLS# 1232716. Bold Mortgage is a division of Paramount Residential Mortgage Group, Inc. (PRMG), NMLS# 75243, Florida Mortgage Lender Servicer License MLD1608. Equal Housing Opportunity. This page is general information, not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and property eligibility. Loan limits, program terms and down payment assistance funding can change without notice.