Background image for REAL CONSULTANTS MORTGAGE AND REAL ESTATE SERVICES INC. 240399 - CA DRE: 01521526 - CA DFPI: 60DBO89434 - FL:MBR4952-AL:23239 TN: 240399  CO: 240399 TX: 240399

Unlock Your Homeownership Dreams

Quick & Easy, Fast Approval Process

Expert Advice from Experienced Loan Officers

Personalized Solutions to Fit Your Needs

Dedicated Support from Start to Finish

Get Started

Uh Oh!

Something went wrong. Please refresh the page and try again or call us at 850-523-4897


Happy young family with cardboard boxes in new home at moving day.
Trusted Brand 100% Customer Satisfaction Trusted Security
Happy family moving in to their new home thanks to REAL CONSULTANTS MORTGAGE AND REAL ESTATE SERVICES INC. Unlock the key to your new home with REAL CONSULTANTS MORTGAGE AND REAL ESTATE SERVICES INC.
years of experience

WHO WE ARE

Your Home, Our Expertise: Your Perfect Mortgage Partner

Our Vision Our Mission

Fast Approval: Streamlined application and approval process to get you into your new home sooner.

To provide exceptional service to clients by offering a wide range of mortgage products and services, while maintaining the highest level of integrity and professionalism.

Loan Programs

Conventional Loans

Competitive interest rates and terms without requiring a large down payment for well-qualified borrowers.

Flexible Eligibility
Down Payment Options
Competitive Interest Rates
FHA Loans

FHA loans offer flexibility for low credit scores, higher debt-to-income ratios and offer a low down payment.

Low Down Payment
Flexible Credit Requirements
Government Backing
VA Loans

Low or no down payment, government insured loan for veterans and their families with competitive rates.

Zero Down Payment
No Private Mortgage Insurance
Flexible Credit Requirements

Making Your Dream Home a Reality

Experienced, Knowledgeable, Trusted

Whether you are buying your first home, moving to a new home or refinancing your existing home, our mortgage professionals are ready to help you find the right loan.

Happy couple cheering their successful new home purchase thanks to REAL CONSULTANTS MORTGAGE AND REAL ESTATE SERVICES INC.
Mortgage Calculators

See our calculator

Ready To Apply

Begin my online application

Request a quote

See my loan scenarios

Meet Our Team

DAVID FACTER

Title: Loan Officer
NMLS #NMLS :1582824 DRE: 01267881

Devlin Duarte

Title: Loan Officer
NMLS #306923
Branch NMLS# 2051775

Devlin Duarte

Title: President
NMLS #NMLS: 306923 DRE :01314423

Elias Corral

Title: Loan Officer
NMLS #NMLS: 303332 DRE: 01760055

Even Plante

Title: Loan Officer
NMLS #1872017 DRE# 02199038

Frank Sotelo

Title: Loan Officer
NMLS #NMLS: 1305421 DRE: 01057351

Juan Montes

Title: Branch Manager
NMLS #NMLS : 240265 DRE: 01439077

Michael Pelayo

Title: Mortgage Loan Originator
NMLS #2301982 DRE# 02199038

Rene Paez

Title: Commercial/Hard Money Lending Processor
NMLS #DRE: 01840683

Santos Hernandez

Title: Loan Officer
NMLS #NMLS: 356431 DRE: 01719451

Stacey Urzua

Title: Loan Officer
NMLS #NMLS: 1827788 DFPI: CA-DBO1827788

Ziad Naime

Title: Loan Officer
NMLS #NMLS: 01741944 DRE:01741944

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating
5.0
27 reviews
M O
We recently listed a home for sale in Southern California and were highly recommended to call Luise Moronez to see how he could assist us. From my initial phone call with Luise, I was quite impressed of how knowledgeable he was about the current real esta ...
We recently listed a home for sale in Southern California and were highly recommended to call Luise Moronez to see how he could assist us. From my initial phone call with Luise, I was quite impressed of how knowledgeable he was about the current real estate market, so I proceeded with setting up a meeting for him to come out to our home to discuss the sale more in detail, and to evaluate our property. Luise showed up right on time, and after meeting him in person, and getting to know him for a little while, we decided that this guy was the agent we were looking for! Luise didn't waste any time, within a few days, he coordinated a professional photo shoot and listing for our home. He also scheduled two open house times immediately. However, we never had to have the second one because the house sold on the first open house he scheduled. Luise was able to take on many offers, and weed out the one's that qualified for the home, and on top of it he was able to get us top dollar for our home, which was much higher than all the homes that recently sold in our neighborhood. Luise stayed on top of everything that came up and guided us along the way until escrow successfully closed. As we were highly recommended to him, I now, after my awesome experience with Luise would recommend him to my family, friends, and anyone contemplating on selling their home!
Read more Hide

M O

1 month ago

Google G Posted on Google
Ami Singh
Judith Merlo was great!!! I couldn’t have asked for a more efficient and dedicated loan officer than the one who helped me buy my first home. Incredibly, they managed to complete the entire process in under 21 days of escrow, and I am beyond impressed wit ...
Judith Merlo was great!!! I couldn’t have asked for a more efficient and dedicated loan officer than the one who helped me buy my first home. Incredibly, they managed to complete the entire process in under 21 days of escrow, and I am beyond impressed with their exceptional service. From the moment we started working together, they demonstrated a level of professionalism and expertise that reassured me throughout the entire journey. They guided me through each step, making sure I understood all the requirements and paperwork involved in securing a mortgage. Their responsiveness and attention to detail were commendable. Whenever I had a question or concern, they promptly addressed it, easing any anxieties I had as a first-time homebuyer. Their knowledge of the industry allowed them to find the best mortgage option for my situation, saving me both time and money. Thanks to their unwavering commitment, I am now a proud homeowner, and I can’t express enough gratitude for their hard work and dedication. If you’re looking for a loan officer who can get the job done efficiently and professionally, I highly recommend them. Thank you for making my dream of homeownership a reality in such a short timeframe!
Read more Hide

Ami Singh

8 months ago

Google G Posted on Google
Enedina Soto
Luis es una persona confiable estuvo muy atento a mis llamadas y mensajes, y todas mis dudas. Lo recomiendo un 100% Muchas gracias Luis! 🤗
Luis es una persona confiable estuvo muy atento a mis llamadas y mensajes, y todas mis dudas. Lo recomiendo un 100% Muchas gracias Luis! 🤗

Enedina Soto

10 months ago

Google G Posted on Google
DAVID FACTER
Excellent Lender and Real Estate Company. I've used for multiple transactions personally and professionally. Smart, transparent, polished.
Excellent Lender and Real Estate Company. I've used for multiple transactions personally and professionally. Smart, transparent, polished.

DAVID FACTER

11 months ago

Google G Posted on Google
M. Sifu
I worked with Judith Merlo on my refinance and she was AMAZING!!! Judith was always easy to reach! With other companies I had to wait days to hear back, but never with Judith. I was in a difficult position where a family member wanted to be removed from a ...
I worked with Judith Merlo on my refinance and she was AMAZING!!! Judith was always easy to reach! With other companies I had to wait days to hear back, but never with Judith. I was in a difficult position where a family member wanted to be removed from a property in title and mortgage so Judith helped me lock in a lower interest rate for the refinance despite the high rates right now. She is such a sweetheart and she got the refinance done within two weeks despite having to remove a child support lien. I can't say enough great things about Judith!! I will definitely work with her again when I need to refinance to a lower rate.
Read more Hide

M. Sifu

11 months ago

Google G Posted on Google
Isaiah Thomas
Luis Morones helped my family refinance their home and lower their payment! The customer service was amazing and I highly recommended anyone to contact if they need help!
Luis Morones helped my family refinance their home and lower their payment! The customer service was amazing and I highly recommended anyone to contact if they need help!

Isaiah Thomas

1 year ago

Google G Posted on Google
Osvaldo Curiel
As a first time home buyer, Judith helped my family and I throughout the whole process. She was beyond incredible, any questions we had she was quick to respond, she was always one call away and was willing to take the time out of her day to have a meetin ...
As a first time home buyer, Judith helped my family and I throughout the whole process. She was beyond incredible, any questions we had she was quick to respond, she was always one call away and was willing to take the time out of her day to have a meeting with my parents and I whenever. She worked her magic with the mortgage payment and lowered it by a ton. Overall if you’re looking to buy a house I would highly recommend going to Judith. She’s extremely flexible with her time and will answer any questions whenever.
Read more Hide

Osvaldo Curiel

1 year ago

Google G Posted on Google
N
Chris is great and took the time to help me understand everything through out my purchase transaction. Definitely would refer him to anyone I know.
Chris is great and took the time to help me understand everything through out my purchase transaction. Definitely would refer him to anyone I know.

N

1 year ago

Google G Posted on Google
W768 FCT
Luis was AMAZING!!! He had lots of patience and attended to every question and need. When people talk highly about customer service, Luis is one of the greatest example of just that. Thank You for everything!!
Luis was AMAZING!!! He had lots of patience and attended to every question and need. When people talk highly about customer service, Luis is one of the greatest example of just that. Thank You for everything!!

W768 FCT

1 year ago

Google G Posted on Google
Eden Coriann Bright
As a first time home buyer I was so happy to be supported by Even in the process. There was so much to navigate, and he was amazing in keeping up with all the communications. I will definitely use Even as my agent again for my next property purchase.
As a first time home buyer I was so happy to be supported by Even in the process. There was so much to navigate, and he was amazing in keeping up with all the communications. I will definitely use Even as my agent again for my next property purchase.

Eden Coriann Bright

1 year ago

Google G Posted on Google
Jeffrey Warren
Even is the consummate professional and helped me negotiate a complicated offer, making certain everything was in order while reassuring me along the way. I highly recommend Even and look forward to working with him again in the future.
Even is the consummate professional and helped me negotiate a complicated offer, making certain everything was in order while reassuring me along the way. I highly recommend Even and look forward to working with him again in the future.

Jeffrey Warren

1 year ago

Google G Posted on Google
Shawn Sheffield
Very easy and quick process. Would recommend were able to close a week early, due to there loan process and efficient work ethic. Would recommend.
Very easy and quick process. Would recommend were able to close a week early, due to there loan process and efficient work ethic. Would recommend.

Shawn Sheffield

1 year ago

Google G Posted on Google
Norma Rodriguez
Super awesome team. The process was super easy and fast. They did not lack any professionalism and communicated with me through the whole process. Highly recommended.
Super awesome team. The process was super easy and fast. They did not lack any professionalism and communicated with me through the whole process. Highly recommended.

Norma Rodriguez

1 year ago

Google G Posted on Google
OMAR SANCHEZ
Devlin and staff took great pride in dealing with my refi , kept me in the loop, addressing every concern for me, and wrapped up within 3weeks. This is my second go round with Real Consultants and highly recommend them with upmost confidence! Go ahead an ...
Devlin and staff took great pride in dealing with my refi , kept me in the loop, addressing every concern for me, and wrapped up within 3weeks. This is my second go round with Real Consultants and highly recommend them with upmost confidence! Go ahead and ask for me for reference if you’d like. Easier than Quicken Loans, or any Mortgage banker, rates were competitive and offered me better terms than those I’ve listed.
Read more Hide

OMAR SANCHEZ

1 year ago

Google G Posted on Google
Home Plug
Had an amazing refinance experience. They really went out of their way for me and I strongly recommend you!
Had an amazing refinance experience. They really went out of their way for me and I strongly recommend you!

Home Plug

2 years ago

Google G Posted on Google
Veronica Lopez
We, at Real Consultants Whittier Branch are very proud to be part of an AMAZING Company. We've been able to help all our clients, because we have a long list of lenders with many products to suit every need. Happy to add, that we have been able to have a ...
We, at Real Consultants Whittier Branch are very proud to be part of an AMAZING Company. We've been able to help all our clients, because we have a long list of lenders with many products to suit every need. Happy to add, that we have been able to have a 99% closing rate, due to our years of experience. Keep up the great work Real Consultants team!!
Read more Hide

Veronica Lopez

2 years ago

Google G Posted on Google
Melissa Rocha
Judith was really great at walking me and my family through the process and answered any questions or concerns at all times. She has constantly made herself available to us for anything. They truly helped us with lowering our mortgage. Highly recommended
Judith was really great at walking me and my family through the process and answered any questions or concerns at all times. She has constantly made herself available to us for anything. They truly helped us with lowering our mortgage. Highly recommended

Melissa Rocha

2 years ago

Google G Posted on Google
gerardo10715
The best customer service you can get. Thanks Shannon Horton you’re the best 👍
The best customer service you can get. Thanks Shannon Horton you’re the best 👍

gerardo10715

2 years ago

Google G Posted on Google

Start your Loan Application

Apply Now

Stay in the Know

A Guide to Buying a Home in the U.S. for Non-U.S. Citizens

A Guide to Buying a Home in the U.S. for Non-U.S. Citizens

Apr 16, 2024

Discover the essential steps to successfully navigate the mortgage process as a non-citizen, from understanding visa requirements to finding mortgage lenders who specialize in serving non-citizens.

The Essential Role of Mortgage Calculators when Buying a Home

The Essential Role of Mortgage Calculators when Buying a Home

Apr 09, 2024

Discover how our home mortgage calculators can empower you to make a better informed decision about your next home loan.

What Closing Costs and Fees Do I Have to Pay with a VA Loan?

What Closing Costs and Fees Do I Have to Pay with a VA Loan?

Apr 02, 2024

Read this article if you want to understand VA Loan Closing Costs and Fees in simple and easy to understand terms.