Daniel Santiago

Experienced Mortgage Specialist in Florida

Click here to learn more about me.

I was born in the Dominican Republic, and my family moved to Florida in 1991. From a young age, I had a passion for finance, which drove me to pursue my education. I obtained a degree in Finance from The University of Central Florida, with a minor in International Business. Throughout my life, I have dedicated myself to the financial investment industry, focusing on helping investors secure the best loan terms. With over a decade of experience in finance and real estate, I have earned a reputation as a powerhouse and an innovative leader in the mortgage world.

Are you ready to get pre-qualified?

Click the “Apply Now” button to access our secured online application software.  You will be prompted to create a username and password.  After that step is completed, login and begin filling out the required fields. 

TIME SAVER:  A few things to note when filling out your application:

We DO NOT need your bank account information – just put the balance and the name of the bank.

You DO NOT need to list your liabilities; these will come over with your credit report.

Do you have questions or need help shortening your research time?  Click below to reach out to me and I will do my best to help.

Would you rather crunch the mortgage rates by yourself?  Click below to access our mortgage calculator.

Florida Home Loans' Mortgage Calculator

Ready to unlock your mortgage potential? Start exploring your options now with our free mortgage broker calculator. Simply enter your information and let the numbers guide you towards a brighter future. Whether you’re a first-time homebuyer or looking to refinance, we’re here to support you every step of the way. Begin your journey today and let us help you turn your homeownership dreams into a reality!

*Use the search fields below and once completed, click “submit”.

Calculator Result Definitions

  • Rate
    • The interest rate is used to calculate the interest owed on a loan.
  • Discount/Rebate (%/$)
    • Discount points are additional funds paid at closing to reduce your interest rate. Rebate is money credited to your closing costs in exchange for a higher interest rate.
  • Monthly P&I
    • Principal and Interest payment includes a payment to reduce the balance of your loan as well as to pay the accrued interest.
  • Total Payment
    • This payment includes principal, interest and mortgage insurance premium, when required. If an escrow account is required or requested, your actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.
  • APR
    • APR is the annualized cost of a loan— including fees. Like an interest rate, the APR is expressed as a percentage. Unlike an interest rate, however, it includes other charges or fees such as mortgage insurance, most closing costs, discount points and loan origination fees. The APR is intended to give you more information about what you’re really paying. The Federal Truth in Lending Act requires that lenders always disclose the APR. Since all lenders must follow the same rules to ensure the accuracy of the APR, borrowers can use the APR as a good basis for comparing certain costs of loans. (Remember, though: Your monthly payment is not based on APR, it’s based on the interest rate on your promissory note.)

Your Mortgage Resource Center

Florida Home Loans LLC is a BBB Accredited Mortgage Lender in Altamonte Springs, FL
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About Us

We’ve been helping customers afford the home of their dreams for many years and we love what we do.
Company NMLS: 1803897

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