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About SOM
Independent by design.
A licensed mortgage brokerage in Port Saint Lucie, Florida, founded and led by Carlos Rivera. Personal guidance, a careful approach, and the independence to find the right fit for every client.
What it means to be independent
A bank lends its own money, so it can offer only its own products, under its own rules.
We take a different approach. We work with a range of lenders and place your loan with the one whose guidelines best suit your file. Every lender applies its own requirements, and they vary considerably — which is exactly why independence matters.
Who we serve
Conventional, FHA, VA and Jumbo — four programs, each placed with the lender best suited to your situation.
We guide straightforward W-2 purchases every week, and we welcome more involved files too: the business owner whose returns show modest income, or the buyer who is still rebuilding their credit. These clients simply deserve a closer look than a standard checklist allows.
How we work
One dedicated loan officer guides your file from the first conversation to closing, so you never need to explain your situation twice.
You'll receive an update at every stage — as will your real estate agent, if one referred you.
Language
Our work is fully bilingual. The conversation, the document list and every explanation of what you're signing are available in English and Spanish.
Licensing
Company NMLS ID 2428991. Carlos Rivera, NMLS ID 519438. Licensed Mortgage Brokerage in the State of Florida.
The process
What to expect when you work with us.
- Consultation
A relaxed conversation about your goals. No credit check, and nothing submitted.
- One document list
Everything you'll need, gathered in a single, organized list.
- We find the right lender
We match your file with the lenders whose guidelines suit it best.
- Underwriting
Conditional approval typically in 24–36 hours, final approval in 7–10 days.
- Closing
Usually around 30 days from contract.
These are typical timelines. Every file is unique, and nothing here is a guarantee or a commitment to lend.
Let's talk about your next move.
A few brief questions, about two minutes. A licensed loan officer will call you within one business day — no credit check, no obligation.
