Broker / Owner
David Armas
NMLS #2155616 · Serving South Florida
Helping Florida buyers and investors find the right loan for every chapter.
About
Meet David
David brings years of mortgage industry experience to every client relationship. His deep understanding of the Florida real estate market, combined with a commitment to personalized service, ensures that every borrower finds the right loan program for their unique situation.
From first-time buyers navigating FHA and conventional financing to veterans using their VA benefits and investors growing their portfolios, David tailors each strategy to the borrower in front of him. He believes a mortgage should feel like a partnership, clear timelines, honest numbers, and a steady hand from application to closing table.
At a Glance
Quick Facts
Specializes In
Conventional, FHA, VA, Investment Lending
Languages
English, Spanish
NMLS #
2155616
Service Area
South Florida
What I Offer
Why Clients Choose David
Investment Lending Specialist
Specialized financing for investors growing rental and portfolio properties.
Personalized Guidance
A loan strategy built around your goals, your finances, and your timeline.
Fast, On-Time Closings
Efficient processing and clear milestones so you close when you expect to.
Clear, Transparent Communication
Plain-language answers at every step, no jargon, no surprises.
Ready to work with David?
Get a personalized rate quote and see exactly what you qualify for.
Mortgage FAQ
Questions, Answered
What credit score do I need to buy a home?
A score of 620 or higher opens up most conventional options, while FHA and VA programs can be more flexible. The best way to know where you stand is a quick pre-approval, we will review your full picture, not just the number.
How much home can I afford?
Affordability comes down to your income, debts, down payment, and current rates. As a guideline, many buyers keep total housing costs near 28% of gross monthly income. We will give you a concrete number based on your actual finances.
How long does the mortgage process take?
From application to closing, most loans take about 30–45 days once you are under contract. Staying responsive on documents is the single biggest factor in keeping your timeline on track.
The Team
Meet the Rest of the Team
Broker / Owner
Loan Officer
Loan Officer
Loan Officer
Loan Officer