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.*
UWM Top 1% US & FL · NAHREP Top 250 Latino Mortgage Originators
Our Speed Is Our Power
Cleared to close in as little as 1 day. 69 loans cleared in under 10 days.
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