NEW HORIZONS MORTGAGE GROUP

    Your home journey,
    guided by people who care

    Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.

    NMLS #237341Licensed Nationwide
    19+
    Loans Closed
    5.0
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Jorge Tabares

    Producing Branch Manager

    (305) 607-5144

    Cleber Caliman

    Loan Officer

    Visit their site

    Elmoda Santos

    Loan Officer

    Visit their site

    Jeniffer Tabares Fuentes

    Loan Officer

    (754) 610-8567Visit their site

    Karen Zelaya

    Loan Officer

    Loan Programs

    Every option. Your best fit.

    ◆
    Conventional
    Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
    ◆
    FHA
    Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
    ◆
    VA
    Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
    ◆
    Jumbo
    High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
    ◆
    Renovation
    Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
    ◆
    Non-QM
    Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
    Available 24/7

    Meet Sophia,
    your mortgage guide

    Get instant answers, explore loan options, estimate payments, and start your pre-approval — any time, day or night. Sophia is backed by our team's expertise and AFN's full lending platform. When you're ready, a loan officer steps in personally.

    →
    Estimate monthly payments based on your actual scenario
    →
    Explore loan programs matched to your situation
    →
    Get pre-approved without waiting for a callback
    →
    Check local market conditions and neighborhood data
    S
    Sophia
    Backed by American Financial Network · NMLS #237341
    Hi, I'm Sophia — your branch's mortgage assistant. I can help you explore options, estimate payments, or get pre-approved. What's on your mind?
    What can I afford on $120K income?
    Based on $120K annual income, you could qualify for roughly $480K–$540K depending on debts, down payment, and rate. Want me to run a detailed scenario?
    Client Experiences

    Trusted by 233 families & counting

    ★★★★★5.0233 verified reviews
    "
    From the beginning, you establish a great communication that throughout the entire process . explaining step by step you entire journey until you close.
    Yanira Ixmucane I.
    Miami, FL · via Jeniffer Tabares Fuentes
    June 2026
    "
    Jorge and his team went above and beyond to assist me with the purchase of my new home. They are the best!
    DELORES GENEVA H.
    Boynton Beach, FL · via Jorge Tabares
    September 2026
    "
    just a great over all experience from start to finish so grateful for Karen!
    JENIS L G.
    Pembroke Pines, FL · via Karen Zelaya
    June 2026
    “
    The entire experience exceeded our expectations. Everyone we worked with was knowledgeable, responsive, and easy to talk to. We always felt informed and supported, and the process moved smoothly from start to finish. Thank you for making such an important milestone feel so easy and enjoyable.
    Ivan I.
    Miami, FL · via Jeniffer Tabares Fuentes
    June 2026
    “
    The over all support provided to Luis and I was fantastic!
    Consuelo Lucia B.
    Naples, FL · via Jorge Tabares
    August 2026
    “
    Great communication and help when needed!
    CHRISTOPHER G.
    Pembroke Pines, FL · via Karen Zelaya
    June 2026
    “
    very Professionalism beautiful team with patience for the client. 100% recommend
    Jose Luis R.
    Florida City, FL · via Jeniffer Tabares Fuentes
    March 2026
    “
    Muy profesional te contesta inmediatamente se toma todo el tiempo del mundo para explicarte todo el proceso paso por paso te lleva de la mano y es bien claro y conciso en su respuesta ofreciendote seguridad y confianza demostrando mucho conocimiento sobre su actividad para mi experience es el mejor lender de miami lo recomiendo al 101 % de verdad excellent
    Liliana F.
    Lehigh Acres, FL · via Jorge Tabares
    August 2026
    “
    Karen was always very professional and guided us through every step of the process. She responded to our questions promptly, even late at night, which we truly appreciated. She is personable, kind, and a pleasure to work with. Karen made the entire process smooth and stress-free. I’m very grateful my friend referred me to her, we had a wonderful experience buying our home.
    Dayana M.
    Homestead, FL · via Karen Zelaya
    February 2026
    “
    Very convinent, signed most of the documents online very quickly.
    Thiago Henrique Da Silva C.
    East Falmouth, MA · via Jeniffer Tabares Fuentes
    February 2026
    “
    My family and I are incredibly grateful for the exceptional service we received from our lender throughout the home-buying process. From start to finish, the entire experience was handled with professionalism, patience, and expertise. As first-time homebuyers, there were many moving parts, countless documents to provide, and moments that felt overwhelming. However, our lender consistently took the time to explain each step, answer our questions, and ensure we understood exactly what was needed. What stood out most was their dedication and responsiveness. No matter how many requests came up during underwriting, they worked diligently to keep everything moving forward and helped us overcome every obstacle along the way. Their communication was outstanding, and we always felt supported and informed throughout the process. Thanks to their hard work, persistence, and commitment to helping our family achieve our dream of homeownership, we were able to successfully close on our home. We truly appreciate everything they did for us and would highly recommend them to anyone looking for a knowledgeable, trustworthy, and dependable lending team. Thank you for helping make this dream a reality for our family.
    Rosa M J.
    Port Charlotte, FL · via Jorge Tabares
    June 2026
    “
    Karen was always very professional and guided us through every step of the process. She responded to our questions promptly, even late at night, which we truly appreciated. She is personable, kind, and a pleasure to work with. Karen made the entire process smooth and stress-free. I’m very grateful my friend referred me to her, we had a wonderful experience buying our home.
    Martinezpdayana
    Homestead, FL · via Karen Zelaya
    February 2026
    “
    Jorge worked diligently to get my client the loan and was very communicative throughout the entire process .
    Jesus C.
    Miami, FL · via Jeniffer Tabares Fuentes
    October 2025
    “
    Everything was set clear and every question we had was always answerd. Highly recommend!
    Alexa M.
    Fort Lauderdale, FL · via Jorge Tabares
    June 2026
    “
    We would like to thank you for your services; you do an amazing job. Your customer service always deserves our respect for its professionalism, efficiency, and quality.
    GIANEYA M.
    Miami, FL · via Karen Zelaya
    October 2025
    “
    Working with Jeniffer helped to understand the entire home-purchase process from start to finish. The explanations and walk-throughs help facilitate the process and improved my homebuying experience!
    Gabriel A P.
    Florida City, FL · via Jeniffer Tabares Fuentes
    September 2025
    “
    Prompt response and excellent communication!!!
    Vicky V.
    Miami, FL · via Jorge Tabares
    June 2026
    “
    Excellence, Professional and dedicated work, I don't have words to describe the great job made by Karen Zelaya, you must be honored to have this great professional in your staf.
    Abel A.
    Miami, FL · via Karen Zelaya
    October 2025
    “
    Excellent service and communication, extremely helpful with questions and explanation to both myself and our clients, a pleasure to work with specially in today's world
    Lourdes C.
    Florida City, FL · via Jeniffer Tabares Fuentes
    September 2025
    “
    Estamos muy agradecidos siempre muy atento Fue capaz de esclarecer todas nuestras dudas y buen desempeño en su trabajo
    Raydeli S.
    Hialeah, FL · via Jorge Tabares
    May 2026
    “
    Karen assisted us with obtaining the pre-approval and successfully closing on my home purchase loan. She was absolutely amazing throughout the entire process, extremely knowledgeable, professional, and supportive from start to finish. Karen made sure everything went smoothly and the loan closed without any issues.She’s very responsive and always easy to reach, consistently going above and beyond to help her clients. I highly recommend Karen to all my friends and family, it was truly a pleasure working with her. Without a doubt, we highly recommend her services. Thank you, Karen!
    Jorgelopez0806
    Pembroke Pines, FL · via Karen Zelaya
    October 2025
    “
    I highly recommend Jennifer Fuentes as a lender. She is incredibly professional and always stays on top of every detail throughout the entire transaction process. Jennifer is dedicated to finding the best deals for her clients, ensuring a smooth and successful experience when purchasing a property
    Adriana O.
    Florida City, FL · via Jeniffer Tabares Fuentes
    March 2025
    “
    Professionalism, honesty and efficiency. and Mrs Tabares always responde to phone call
    Gerardo Sixto P.
    Florida City, FL · via Jorge Tabares
    November 2025
    “
    We are thrilled with Karen’s assistance. She went above and beyond to make this happen, using her vast experience to overcome every obstacle and provide us with the best recommendations, ensuring the process was as smooth as possible. Karen’s expertise truly played a major role in sealing the deal, thank you, Karen! Best regards,
    Jorge L.
    Miramar, Florida · via Karen Zelaya
    October 2025
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    Our Branch

    New Horizons Mortgage Group

    American Financial Network · NMLS #237341

    Address
    5455 SW 8th Street, Ste 225
    Miami, FL 33134
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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