Costa del Sol Mortgage Team
Talk with Carlos & Karen Start Your Home Journey

More Than a Mortgage.A Brighter Way Home.

Compare loan options around your monthly payment and cash needed at closing—with Carlos and Karen guiding your next steps.

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Start your secure mortgage questionnaire, or book a conversation to talk through your questions first.

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Florida & North CarolinaBilingual guidanceMore loan options
IN OUR CLIENTS’ WORDS

Guidance you can feel good about.

I couldn’t have done it without him and he feels like family now.

Homebuyer

Read the full review

Carlos and his wife are exceptional people. Carlos broke down all the information for me so that I could make an informed decision on what loan I would like to use and he was literally there for me every step of the way. Buying a home is such a huge decision and it is really hard when you are not familiar with the process. I couldn’t have done it without him and he feels like family now. I recommend him to anyone and he is definitely someone you can trust.

Client-provided review. Spanish text is a translation.
Working with Karen and Carlos was an absolutely wonderful experience from start to finish.

Virginia

Read the full review

Working with Karen and Carlos was an absolutely wonderful experience from start to finish. Buying a home can be stressful, but they made the entire process smooth, professional, and easy to understand. They were always available to answer my questions, kept me updated every step of the way, and truly went above and beyond to make sure everything stayed on track for closing. Their knowledge, patience, and dedication gave me confidence throughout the entire process. I genuinely felt like they cared about helping me achieve homeownership, not just completing a transaction. I highly recommend Karen and Carlos to anyone looking for a trustworthy, responsive, and professional mortgage lender. Thank you for making this such a positive experience!

Client-provided review. Spanish text is a translation.
What stood out the most was their transparency and clarity.

Homebuyer

Read the full review

Team was an absolute pleasure from start to finish. From the moment we began the preapproval process all the way through to closing on our new home, they were consistently supportive, knowledgeable, and incredibly responsive. What stood out the most was their transparency and clarity. they took the time to walk us through every step, answer every question (no matter how small), and explain the numbers in a way that made sense. They even sat down with us to run through the financials of multiple properties, helping us make informed decisions with confidence. It’s clear that for them, this isn’t just business—they genuinely care about their clients and have their best interests at heart. Their dedication and patience made what could have been a stressful process feel smooth and manageable. We are beyond grateful for their help. This journey wouldn’t have been possible without the Costa del Sol Mortgage Team. They truly are the dynamic duo, and we can’t recommend them highly enough! Go Bucs!

Client-provided review. Spanish text is a translation.

What are you trying to accomplish?

Start with your goal. We’ll help you understand the ways to get there.

Buy my first home Buy my next home Use my VA benefit Refinance Buy an investment property My situation is complicated

A mortgage plan built around your life.

Compare the whole picture

Look at payment, cash to close, and loan options together before choosing a path.

Know your next step

Understand what information is needed and which milestones come next—from preparation through closing.

Ask in your language

Talk through your questions in English or Spanish with Carlos and Karen.

Based in Tampa Bay and serving homebuyers across Florida and North Carolina. Tell us where you’re buying so we can discuss the property, local costs, and options for your situation.

A Simple, Clear Process

From the first conversation to the keys in your hand, know what comes next.

  1. 1

    Conversation

    We start with your goals, your questions, and what feels comfortable.

  2. 2

    Strategy

    See how your payment, cash to close, and loan options fit together.

  3. 3

    Pre-approval review

    We review your information and explain what you need for the next step.

  4. 4

    Underwriting

    We help you work through documents, conditions, and lender questions.

  5. 5

    Closing

    Review the final numbers and documents before you sign.

Tools & Education

A few useful tools. A clearer next step.

Ready to build your plan?

Let’s turn your goals into a clear path forward.

Talk with Carlos & Karen

Realtor Partners

A clear financing plan. A more confident client.

Let’s Work Together
Responsive communication
Options for your clients
Guidance through closing
CLIENT EXPERIENCE

What the experience feels like

In their own words.

Homebuyer · client message
Your hard work, patience, and guidance throughout the process meant so much to us. We truly appreciate your dedication and couldn’t have done it without you.
Read full review
Your hard work, patience, and guidance throughout the process meant so much to us. We truly appreciate your dedication and couldn’t have done it without you.

Homebuyer
Carlos and his wife are exceptional people. Carlos broke down all the information for me so that I could make an informed decision on what loan I would like to use and he was literally there for me every step of the way. Buying a home is such a huge decision and it is really hard when you are not familiar with the process. I couldn’t have done it without him and he feels like family now. I recommend him to anyone and he is definitely someone you can trust.
Read full review
Carlos and his wife are exceptional people. Carlos broke down all the information for me so that I could make an informed decision on what loan I would like to use and he was literally there for me every step of the way. Buying a home is such a huge decision and it is really hard when you are not familiar with the process. I couldn’t have done it without him and he feels like family now. I recommend him to anyone and he is definitely someone you can trust.

Virginia
Working with Karen and Carlos was an absolutely wonderful experience from start to finish. Buying a home can be stressful, but they made the entire process smooth, professional, and easy to understand. They were always available to answer my questions, kept me updated every step of the way, and truly went above and beyond to make sure everything stayed on track for closing. Their knowledge, patience, and dedication gave me confidence throughout the entire process. I genuinely felt like they cared about helping me achieve homeownership, not just completing a transaction. I highly recommend Karen and Carlos to anyone looking for a trustworthy, responsive, and professional mortgage lender. Thank you for making this such a positive experience!
Read full review
Working with Karen and Carlos was an absolutely wonderful experience from start to finish. Buying a home can be stressful, but they made the entire process smooth, professional, and easy to understand. They were always available to answer my questions, kept me updated every step of the way, and truly went above and beyond to make sure everything stayed on track for closing. Their knowledge, patience, and dedication gave me confidence throughout the entire process. I genuinely felt like they cared about helping me achieve homeownership, not just completing a transaction. I highly recommend Karen and Carlos to anyone looking for a trustworthy, responsive, and professional mortgage lender. Thank you for making this such a positive experience!

Homebuyer
Team was an absolute pleasure from start to finish. From the moment we began the preapproval process all the way through to closing on our new home, they were consistently supportive, knowledgeable, and incredibly responsive. What stood out the most was their transparency and clarity. they took the time to walk us through every step, answer every question (no matter how small), and explain the numbers in a way that made sense. They even sat down with us to run through the financials of multiple properties, helping us make informed decisions with confidence. It’s clear that for them, this isn’t just business—they genuinely care about their clients and have their best interests at heart. Their dedication and patience made what could have been a stressful process feel smooth and manageable. We are beyond grateful for their help. This journey wouldn’t have been possible without the Costa del Sol Mortgage Team. They truly are the dynamic duo, and we can’t recommend them highly enough! Go Bucs!
Read full review
Team was an absolute pleasure from start to finish. From the moment we began the preapproval process all the way through to closing on our new home, they were consistently supportive, knowledgeable, and incredibly responsive. What stood out the most was their transparency and clarity. they took the time to walk us through every step, answer every question (no matter how small), and explain the numbers in a way that made sense. They even sat down with us to run through the financials of multiple properties, helping us make informed decisions with confidence. It’s clear that for them, this isn’t just business—they genuinely care about their clients and have their best interests at heart. Their dedication and patience made what could have been a stressful process feel smooth and manageable. We are beyond grateful for their help. This journey wouldn’t have been possible without the Costa del Sol Mortgage Team. They truly are the dynamic duo, and we can’t recommend them highly enough! Go Bucs!

Homebuyer
It was a pleasure working with Carlos, he is very knowledgeable and was always there with the solution to every obstacle. He went above and beyond our expectations and I highly recommend him for your financial needs. Thank you Carlos and God bless you.
Read full review
It was a pleasure working with Carlos, he is very knowledgeable and was always there with the solution to every obstacle. He went above and beyond our expectations and I highly recommend him for your financial needs. Thank you Carlos and God bless you.

PASCO COUNTY, FLORIDA

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Talk with Carlos & KarenStart Your Home Journey