21+ YEARS OF FLORIDA LENDING EXPERTISE
About Lorena
As a bilingual mortgage broker based in Tampa, I’ve spent over two decades helping families and investors navigate one of the biggest financial decisions of their lives.
Because I’m a broker, not a bank, I can shop multiple lenders to find the structure, rate and terms that truly fit your goals — whether you’re buying your first home, expanding your portfolio, or restructuring debt.
Fluent in English & Spanish
Specializing in purchase, refinance & investment loans
Dedicated to education, transparency and long-term relationships
FINANCING PROGRAMS
For every client, every dream
From first-time buyers to seasoned investors, we structure loans that fit your life, not the other way around.
*Subject to credit approval. Not all applicants will qualify. Rates, terms and programs subject to change without notice.
Purchase
Pre-approval in minutes and a clear path from offer to keys.
First-time buyer / Hometown Heroes (DPA)
Down payment assistance by state and local area.*
FHA
As low as 3.5% down, flexible credit.*
FHA 100% Financing
Structured purchases using seller concessions and gift funds.*
Conventional
As low as 3% down; buydown options available.*
VA
0% down for eligible veterans and service members.*
USDA
0% down for eligible rural and suburban areas.*
Jumbo Loans
Financing above conforming loan limits.*
Cash-Out Refinance
Turn home equity into cash.*
Refinance & HELOC
Lower your payment or tap your equity.*
Construction & Remodeling Loans
Build or renovate.*
Multi-Family (2-4 Unit) Purchase
Buy a duplex, triplex or four-plex.*
Adjustable-Rate Mortgages (ARMs)
Lower starting payments.*
DSCR Investor Loans
Qualify using the property's rental income.*
Bank Statement Loans
Self-employed? Qualify with bank deposits.*
No-Income-Documentation Loans
Alternative documentation programs.*
ITIN Loans
Home loans for ITIN borrowers.*
Foreign National & Foreign Buyer/Investor Loans
Financing and advice for non-U.S. citizens.*
Buydowns
Lower your interest rate.*
Credit Assistance
Guidance to build or repair credit.*
Brokers make it happen. Your strategic ally.
UWM Top 1% Originators nationally — 4 consecutive years
UWM Top 1% Loan Officers in Florida — 4 consecutive years
UWM Top 100 Purchase Originators nationally
UWM Top 20 Purchase Originators in Florida
UWM Pro Elite Excellence 100
NAHREP Top 250 Latino Mortgage Originators — 2021 · 2022 · 2023 · 2024 · 2025
Quontic Bank Showstopper Broker of the Year — 2024
JD Lending Group: Top Loan Officer of the Year (volume & units) and Toughest Loan Closed
1,000+ families helped become homeowners
Past President, NAHREP Tampa Bay Chapter (2019)
SECURE CLIENT PORTAL
Apply at ColinLoans.com
A faster, simpler process with fewer errors.
1
Apply online
2
Upload your documents
3
We handle the rest
CLIENT REVIEWS
What our clients say
★★★★★
"Lorena and Evangelina were amazing! They helped me tremendously finding my home and doing all the paperwork necessary. Everything went smooth and faster than I ever imagined. I trust them both so much and recommend them to anyone who would like to buy a home."
— Claudia R.
★★★★★
"The best in the business!! Super professional and good at what they do. Thank you for the amazing rate and making everything super smooth and fast."
— Lo V.
★★★★★
"Lorena Colin and team are excellent professionals. This team works super fast, as a team, all the time, by communication. Colin super attentive to each step with the clients. Thank you very much for the excellence. 100% recommended"
— Yaixy C.
★★★★★
"Lorena and her team was excellent to work with. Very knowledgeable, professional and informative. If you're getting a mortgage definitely give them a call. Great experience from start to finish."
— Marco B.
SUCCESS STORY
4 doors. 1 big dream.
A Realtor secured a listing — and spotted the opportunity to buy it herself: a $750,000 4-plex with FHA financing. Her ~4% commission covered the 3.5% down payment, and ~4% seller-paid closing costs (within FHA's 6% concession limit) covered her closing costs. She lives in one unit, rents the other three, and started her journey as an investor.
Find the opportunity. Structure the deal.
Example for illustration; individual results vary. Excludes required deposit/earnest money.
PLAN YOUR PAYMENT
Mortgage Calculator
Estimate your monthly payment. Estimates only, not a loan offer.
RESOURCES AND EDUCATION
Mortgage loan road map
Step by step to your new home. A clear process, with a team by your side.
*Subject to credit approval.
1
Initial consultation
2
Basic documents
3
Soft pull and analysis (no score impact)
4
Income analysis and strategy
5
Pre-approval
6
Find the right home
7
Make an offer
8
Submit to the lender
9 to 12
Conditional approval, then appraisal, title and insurance, then clear to close
13 to 15
Review the CD, sign and close. Get your keys!
Homestead exemption (FL)
Just bought your primary home? File for Florida's homestead exemption with your county property appraiser by March 1.
Unlock equity with a HELOC
Renovate, invest or consolidate debt with a fast process and low costs.*
How does your credit score work?
What moves your score and how to improve it before you apply.
21 questions for homebuyers
Know what to ask before you buy.
Florida: a market of growth
Why buyers and investors keep choosing Florida.
Free magazine (English and Spanish)
The Colin Group magazine for buyers and Realtors. Ask us for your free copy.
MEET THE TEAM
A team by your side
Lorena Colin
Mortgage Broker and CEO
NMLS #389462
CEO of Colin Group LLC. For more than 21 years she has helped families across Florida find their way home, with a law degree and a talent for making complex paperwork feel simple.
Email: lorena@colingrp.com
Phone: 813-825-3232
Evangelina Ferrer
Loan Processor
A seasoned Loan Processor and former Realtor, originally from Uruguay. Bilingual in English and Spanish, with meticulous attention to detail and strong organizational skills.
Email: evangelina@colingrp.com
Phone: (813) 573-9788
Aleli Colin
Marketing Director
A passionate polyglot who speaks several languages. Known for her loving and caring nature, she builds meaningful relationships and develops innovative marketing strategies.
Email: aleli@colingrp.com
Phone: (813) 705-2394
Confidential, no-obligation consultation
Start your strategy call
Share a few details about your goals, and my team and I will follow up with tailored options — not generic quotes.
Email: lorena@colingrp.com
Office: (813) 825-3232
Cell / WhatsApp: (561) 777-5355
Address: 5111 Ehrlich Road, Suite 119, Tampa FL 33624
Office hours: Mon–Fri 9:00 AM–5:00 PM · Sat & Sun: Closed
WhatsApp: 561-777-5355
PURCHASE | FIRST-TIME BUYER | FHA | CONVENTIONAL | VA | USDA | DSCR | INVESTOR | BANK STATEMENT | ITIN | HELOC | REFINANCE | CONSTRUCTION | JUMBO | MULTI-FAMILY | ARMS | CREDIT ASSISTANCE