What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Why we should work together
Prior to pursuing the mortgage business, Alvaro spent a large chunk of his career working in sales, operations and customer service. He joined team loanDepot in 2020, bringing years of lending experience. Alvaro specializes in working with first time home buyers, investors and builders.
When it comes to his work, there’s nothing that brings Alvaro more joy than building rapport and educating clients. Being able to make an impact on the largest financial transaction of their lives, while guiding them every step of the way has been very rewarding. His ultimate goal is to ensure that his customers make the best mortgage choice for themselves and their families.
In his free time, Alvaro enjoys staying active with mountain biking, running, baseball and soccer. You can find him at the Lake Nona branch. Please contact Alvaro for any of your mortgage financing needs!
FL LIC# LO36693
Mortgage Education Videos
Yesenia Aybar from Kissimmee , FL via Zillow
Buying a home is one of the most important events in your life so is very important to have the appropriate people by your side during the process. After receiving the good news that I was going to transfer from Charlotte NC to Orlando FL within 60 days I was nervous but need to act quickly. I call my previous loan consultant (Rossi) and ask her if she can recommend me a good loan consultant from Orlando FL since I was looking to purchase a second home in that area. She say I do know an excellent one (Alvaro Montiel). Let start saying that this was on May-June 2020 in the middle of the pandemic so I was not able to travel to Orlando FL. Alvaro contact me email and schedule our first call right away. During the call, he ask me few questions to understand my needs. He was professional and patient to respond all my questions as well. One of my primary concerns was making sure that I was able to qualify for a second VA loan. He was incredibly knowledgeable about the business and provide me all the information I was looking for. Alvaro is the type of professional that is willing to offer real advice without expectations. Whether you are looking to buy right away or you are in the process to learn more about the right steps to be able to buy a home he will guide you thru the process smoothly. I was prequalified within 24 hrs after our first call and he make sure to provide me information about the market (rates), credit score and different options that adjust to my needs. Due to COVID-19 travel to search for my next home was a challenge so Alvaro gave me recommendations of the areas based on what I was looking for (distance to work, community facilities, ambient, security). No, that was not his job but he went above and beyond to help me. He recommend me to get a Commitment Letter to accelerate the process and make sure I had the power to negotiate a soon I find the house that I like. Took him one 3 days to get me the Loan Commitment Letter so I was ready to search for my dream house. After looking for a week, I found the perfect house so I contact the realtor. Now here it comes the important part… the Loan Commitment Letter put me on the front line since I was not just simply prequalified I was ready to offer. I contact Alvaro next day and explain that I found the house and he gave me some valuable tips to negotiate the price and the closing cost contribution. Alvaro advice help me to get not just excellent interest rate but also a great deal (buying under the appraisal value of the property and getting extra money towards the closing costs). Closing usually can take 30 days and due to COVID-19 can be extend it to 45 days. I am thankful that Alvaro waste no time thru the process. All the process took less than 30 days and I was able to do everything remote!!!! Alvaro is professional, knowledgeable and very reliable loan consultant. I would recommend him to anyone with absolutely no hesitation because I know that he will provide the best experience. It’s truly refreshing to know there are still service providers out there willing to do the best possible job for a customer even in the most difficult times.
Guillermo Castellano from Kissimmee , FL via Zillow
All i can say is that my experience working with Alvaro has been nothing less than excellent. His experience in the industry is immaculate. He was able to guide me through the whole process with so much knowledge. He has strong personal values earning your trust and standing behind you all the way until the closing date and beyond. I would definitely recommend him to anyone. I know i will work with him anytime i need buy new properties.
cesarion 69 from CHAMPIONS GT , FL via Zillow
Alvaro is a very professional person, who always tries to resolve any question or inquire. He Knows perfectly the loan process, for this reason, he is able to provide good advice on time. He attends any call o question after the loan is completed.
javiergadea67 from Hialeah , FL via Zillow
He is the best, most professional, honest and fast individual I have ever met, he guided me through the whole process and made so simple and stressless as you could never imagined. I will definitely recommend him to anyone on the market to finance Your dream home. From this point forward he will be the guy I will reach out to. My son and daughter are already looking forward to working with him. I will forever be thankful to him for all the great help that he provided me. Thank you Alvaro.
William Carcamo from Homestead , FL via Zillow
Alvaro es una persona honesta , sincera y muy competente en la industria que labora, tanto en las gestiones y orientaciones para los fines que se le solicite.
gedalis from Miami , FL via Zillow
Elegir a Álvaro para que nos ayudara en la compra de nuestro hogar fue una bendición, es una excelente persona con una gran profesionalidad te ayuda para que entiendas bien todo el proceso, fue todo súper rápido. Álvaro tiene una inmensa paciencia te aconseja y te trata como un amigo y la verdad que las palabras no pueden expresar lo profundamente agradecidos que estamos con el.
Nelson B. from Celebration , FL via Zillow
Alvaro was amazing! He was always there and on point. His help and support throughout the purchase of our house in Florida is deeply appreciated. Highly recommend!!
Claudia from Miami , FL via Zillow
Alvaro fue una excelente elección para el proceso de comprar nuestra casa, ademas de su amplio conocimiento en el area, siempre está dispuesto a ayudar con informacion acertada y una buena actitud de servicio, logrando que todo el proceso fuera tranquilo y rápido, ideal para aquellos que compran por primera vez y no estan familiarizados con el sistema . Lo recomiendo ampliamente !!
willramirez3 from CHAMPIONS GT , FL via Zillow
Alvaro assisted me with our mortgage for our investment property in Florida. Being from Canada added to the obstacles in obtaining a mortgage in the US, but Alvaro knew exactly how to react to every obstacle that arose. Not only did he assist with the financing and closing of our property, but he has continued to assist me with any questions regarding home ownership in Florida that I would otherwise have to pay for professional consultation. I would strongly recommend Alvaro to anyone in need of mortgage assistance.
biscayahomerenovatio from Kissimmee , FL via Zillow
Alvaro, helped me with my mortagage recently. He was very profesional, knowledgeable and communicative before, during and after my mortgage was approved. I recomend him to anyone looking for a great mortgage rate and have a smooth proceess.
Calculate your payment
Crunch your own numbers with our mortgage calculators. Run as many different scenarios as you’d like to see how much home you can afford.