Licensed Mortgage Loan Originator · NMLS #PENDING · Hablamos Español
Renzo Johnson founded Florida Mortgage Solvers and works as a licensed Mortgage Loan Originator serving buyers across all 67 Florida counties. The Renzo Johnson mortgage practice covers government-backed lending, the Florida assistance programs, and the non-QM products that solve files conventional underwriting rejects.
How Renzo Johnson approaches a mortgage file
Most declines are not really declines. They are a file placed with the wrong lender, or income calculated the wrong way.
A self-employed borrower gets told no because someone read the bottom line of a tax return and stopped, without applying the depreciation add-backs that would have qualified them. A condo buyer gets told no because the building lost FHA approval, when conventional financing would have closed. An investor gets told no at the tenth property, which is the conventional ceiling and not a rule anywhere else.
Therefore the first job on any difficult file is working out which question was actually asked. Only after that does it make sense to talk about rate.
Areas of expertise
- First-time buyer programs and Florida down payment assistance
- Government-backed lending: FHA, VA and USDA
- Non-QM lending: bank statement, DSCR, ITIN and asset depletion
- Investment property financing, including DSCR loans for portfolio investors
- Florida condo financing, both warrantable and non-warrantable
- Bilingual service, with préstamos hipotecarios en español
Licensing and verification
NMLS #PENDING, licensed in the State of Florida. Because every originator holds a personal licence under the SAFE Act, you can verify this record yourself at NMLS Consumer Access before sharing any documents. See also our NMLS details and licensing disclosures.
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