My network of lenders (Partners) are the best in their industry. I have worked with each and every one of them. They all work with one common goal, helping their client reach the American Dream of owning their own home.

Getting Pre-Qualified is the first step when purchasing a home. Once you have met with a lender of your choice and you have been Pre-Quaified, then I am ready to start working with you the buyer to find the perfect home.


Call one of these reliable lenders today and get started in the right path of the AMERICAN DREAM owning your own home.


LeaderOne - McAllen Branch

Miriam Celestino | Sr. Mortgage Banker | NMLS# 265625

Miriam Celestino
1109 W Nolana, Suite 101
McAllen, Texas 78504

Currently I'm a Senior Mortgage Banker with LeaderOne. I began her career as a mortgage loan officer in 2002.
My passion and primary focus is to help her clients reach the American Dream of owning their home I work diligently to make sure that their dream is attained. I realize that buying a home is a huge commitment and my goal is to make sure each one of my clients has a smooth home financing experience
I have extensive product knowledge and experience in Purchases and Refinance loans products. I utilize my knowledge of the mortgage industry to offer my clients the best program at the best rate with the best service possible.


Baudy Montalvo | Loan Originator | NMLS# 404804

Baudy Montalvo
213 South Closner Boulevard
1st Floor, Suites A & B
Edinburg, Tx 78539

Baudy Montalvo is a dedicated Loan Originator who loves helping homebuyers reach their goals. With a vast knowledge of different loan products, she focuses on educating her clients about their options and guiding them through the home loan process. Baudy got her start in the mortgage industry in 1991 and has been with PrimeLending for 3 ½ years. Her commitment has led her to help thousands of families become homeowners.

Security Service Federal Credit Union

Jennifer Huerta | Senior Mortgage Loan Advisor | NMLS 1097200

Jennifer Huerta

Security Service Federal Credit Union's corporate headquarters is located in San Antonio, Texas. The credit union has built a reputation of strength, stability, and convenience by offering its members financial soundness, convenient hours of service and competitive financial products and services.

The primary goals at Security Service are to meet its members' financial needs and help them improve their financial situations. Security Service believes in empowering its members with the knowledge to make strong financial decisions.

Vantage Bank Texas

Ricardo Lara | NMLS# 249091

Ricardo Lara
1524 N McColl Rd 
McAllen, Texas 78501

Ricardo Lara began his professional career in 2002 as a Mortgage Loan Officer at one of the largest banks in the nation. He understands the demands of the mortgage industry; however, his promise is to provide the best customer service to his customers from the beginning of the home buying process to the end. Ricardo is extremely knowledgeable and experienced when it comes to all home loan products including Conventional, FHA, VA, Multi-family, condominiums and investments. He recently joined Vantage Bank Texas's mortgage team and looks forward to applying his hard work ethic and experience to help families have an enjoyable home buying experience.

Willow Bend Mortgage

Ricardo Manuel Torres | Branch Manager | RMLO# 255493

Ricardo Manuel Torres
200 S Sugar Rd Suite1
Edinburg, Texas 78539

Let Ricardo Manuel Torres and the RMTTEAM powered by Willow Bend Mortgage help you to your new home. As amortgage and loan professional for more than 20 years, Ricardo Manuel Torres  has a degree in Business Administration and additional training and certification in Veteran Home Loans , Affordable Housing Certification  and Certified Advanced in Spanish Financial Terminology, giving Ricardo Torres the knowledge and experience to help you through the loan process, find the terms that are right for your budget, and make sure all the legalities are competently handled so that the closing goes smoothly and you can take possession of your new property.

We strive to give 5 star service and exceed expectations. If you are looking to BUY, BUILD or Refinance a home, we can help.

Whether you’re a first-time home buyer, looking to trade up, deciding to downsize, or simply wishing for a change, the RMTTEAM powered By Willow Bend Mortgage  can help you before you ever make an offer on a property. Ricardo Torres can sit down with you and look over your budget, income and savings, helping you get a clear picture of what type and amount of loan is realistic. There are many factors to consider when getting a home loan; interest rates are only one element of the complete package. Ricardo Torres  will help you consider all your options so you can concentrate on making the best decision for your needs.

The financial aspects of home buying can be stressful and overwhelming—but they don’t have to be, not with a trained and caring professional like Ricardo Manuel Torres and the RMTTEAM in your corner. You can apply at or Contact Ricardo Manuel Torres today at 956-739-5440 and let’s get started making your home-ownership a reality.