SF MORTGAGE TEAM

    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
    59+
    Loans Closed
    5.0
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Mario Cohen

    Branch Manager

    (786) 201-2345

    Felipe Guifarro

    Loan Officer

    Visit their site

    Janet Travieso

    Loan Officer

    Visit their site

    Patricia Lazcano

    Loan Officer

    Visit their site
    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.
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    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.

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    Estimate monthly payments based on your actual scenario
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    Explore loan programs matched to your situation
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    Get pre-approved without waiting for a callback
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    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 112 families & counting

    ★★★★★5.0112 verified reviews
    "
    Trabajar con Patricia fue muy gratificante, profesional y efectiva, ella nos ayudó desde el día uno y cada paso del camino hasta la recta final. Muy agradecida, gracias mil Working with Patricia was very rewarding, professional and effective, she helped us from day one and every step of the way to the final straight. Very grateful, thank you a thousand.
    Marcellis G.
    Fort Lauderdale, FL · via Patricia Lazcano
    September 2026
    "
    Efficiency and support 24/7. Patricia made this process pretty easy for us
    Alexander S.
    Hialeah, FL · via Patricia Lazcano
    September 2026
    "
    We truly appreciate her dedication, patience, and hard work in helping us get into our new home. We couldn’t have asked for a better peraon and would highly recommend here to anyone looking for a mortgage broker. Thank you for making our home-buying experience such a positive one!
    Lenys Yosibel H.
    Miami, FL · via Patricia Lazcano
    September 2026
    “
    i have worked with Patricia twice and ill do it again if i have to. Really professional and knowledgeable. She doesn't treat u as a costumer but more as a family member, thats the way i felt. Always answering any questions i had and always on top of everything in the process. She makes everything go super smooth and easy. Only person i trust for my or my family financial needs. I loved that i was able to get in contact with her 24/7. The best
    rey yo
    via Patricia Lazcano
    September 2026
    “
    Muy complacido, con todo el esfuerzo, rapidez, profesionalidad empeño, como cuidado con cada detalle, gracias por dar la milla extra para poder tener un cierre exitoso, los recomiendo por su buen servicio y eficiencia, trabajo humano y de calidad. Que Dios les continúe bendiciendo y dándoles sabiduría.
    Luis E R.
    Lauderdale Lakes, FL · via Patricia Lazcano
    August 2026
    “
    very professional. always there to answer every question i had. took care of me and made me feel comfortable. very fast and smooth process
    Reinier Y.
    Hialeah, FL · via Patricia Lazcano
    August 2026
    “
    Working with Patricia Lazcano was truly an incredible experience from beginning to end. She went above and beyond to make the entire mortgage process feel easy and manageable. Patricia was always quick to respond to every question and concern, and she made us feel supported, reassured, and genuinely cared for throughout the entire journey. She did so much more than help us purchase a house—she helped make our dream of homeownership come true and created a beautiful, memorable experience for our entire family. This is a moment our children will remember for the rest of their lives. Along the way, Patricia became more than our mortgage loan officer; she became like family. Even after closing, she continued to think of us and surprised us with a thoughtful welcome-home gift. That meant more to us than she will ever know. We are beyond grateful for Patricia’s kindness, dedication, professionalism, and personal touch. We could not have asked for anyone better to guide us through this important milestone. We wholeheartedly recommend her to anyone looking to purchase a home!
    Katerine S C.
    Labelle, FL · via Patricia Lazcano
    August 2026
    “
    Our dream of becoming first-time homeowners has officially come true, and we couldn't be more grateful! From our very first phone call to the moment we received the keys at closing, Patricia was exceptional every step of the way. She was knowledgeable, responsive, patient, and always took the time to answer our questions and guide us through the process with confidence. Buying a home can feel overwhelming, but Patricia and the entire team at AFN made it a smooth and enjoyable experience. We truly cannot recommend Patricia and her team enough. Thank you for your professionalism, dedication, and unwavering support in helping make our dream a reality. We are forever grateful!
    Maria Fernanda R.
    Davie, FL · via Patricia Lazcano
    July 2026
    “
    Our dream of becoming first-time homeowners has officially come true, and we couldn't be more grateful! From our very first phone call to the moment we received the keys at closing, Patricia was exceptional every step of the way. She was knowledgeable, responsive, patient, and always took the time to answer our questions and guide us through the process with confidence. Buying a home can feel overwhelming, but Patricia and the entire team at AFN made it a smooth and enjoyable experience. We truly cannot recommend Patricia and her team enough. Thank you for your professionalism, dedication, and unwavering support in helping make our dream a reality. We are forever grateful!
    Fergie Ruiz
    via Patricia Lazcano
    July 2026
    “
    I am so happy with the Patricia Lazcano and her team. They worked very hard to get my loan approved. They were kind, clear, and easy to talk to through the whole process. I felt supported from start to finish. I give them a five-star rating and suggest them to anyone who needs a home loan They Are Great Hard Work They stayed on top of every paper and deadline. They fixed problems fast.and Good Attitude They were always kind and helpful. They answered my calls and emails fast Clear They made big words easy to understand. I always knew what step came next.Final Result Fast Approval They got my loan done with no stress. I trust them completely. They care about their clients.and Patricia Lazcano is top notch
    Benjamin Ross
    via Patricia Lazcano
    July 2026
    “
    Patricia did an amazing job with my Buyers that my in-house lenders told me the Buyer did not qualify for any kind of financing. Yet, Patricia not only brought these buyers to the closing table, but also obtains some Hometown hero money, and closed it in less than 30 days FHA!!!Truly an amazing professional outstanding job! I highly recommend her and as a Broker of my own Coldwell Banker office, I will use her again! Thank you Patricia Lezcano for a job well done looking forward to working with you again!
    Jackie Garcia
    via Patricia Lazcano
    July 2026
    “
    I had an excellent experience working with my mortgage manager Patricia, throughout the entire home loan process. They were knowledgeable, responsive, and always took the time to answer my questions and explain every step clearly. Their professionalism, patience, and dedication made what could have been a stressful experience much smoother. I truly appreciated their hard work in helping me get to closing, and I would highly recommend them to anyone looking for a reliable and trustworthy mortgage professional. Thank you for your outstanding service!
    Michel Fuentecilla
    via Patricia Lazcano
    July 2026
    “
    The staff was amazing very polite and made sure they was there in every way made it easy paperwork and painless..very helpful caring kind and care about the clients
    Benjamin F R.
    North Miami Beach, FL · via Patricia Lazcano
    July 2026
    “
    Worked with Patricia as a team on a purchase transaction. It was a great experience! My clients were super happy. She helped them to purchase a house with a downpayment assistance program
    Maria Valeeva
    via Patricia Lazcano
    July 2026
    “
    I had an excellent experience working with my lender. The entire process was smooth, professional, and well organized from start to finish. They were always available to answer my questions, kept me informed every step of the way, and worked hard to make sure everything stayed on track for closing. Their dedication, communication, and expertise made what could have been a stressful process much easier. I truly appreciate all of their help and would highly recommend them to anyone looking for a reliable and knowledgeable lender.
    Michel F.
    Clewiston, FL · via Patricia Lazcano
    July 2026
    “
    As a Real Estate Agent, I can confidently say that working with Patricia has been an absolute pleasure. She is knowledgeable, dedicated, hardworking, and genuinely cares about her clients and business partners. What stands out most is her willingness to help in every possible way and her ability to make the lending process feel easy and stress-free. Every transaction we’ve worked on together has been smooth, organized, and completed without unnecessary complications. Patricia is the kind of lender every Real Estate Agent hopes to have on their team. I highly recommend her services and look forward to working with her again and again. — Maricel Hernandez, Real Estate Agent
    Al Tanto con Maricel
    via Patricia Lazcano
    June 2026
    “
    Had an incredible experience working with Patricia and her team! She took care of my clients like family. I look forward to working together in the future as my preferred lender! Thank you ??
    Alexis Luis
    via Patricia Lazcano
    June 2026
    “
    As a real estate agent, I truly appreciate working with lenders who communicate well and get the job done. Patricia with AFN was fantastic throughout a challenging transaction. She was confident in the file from the start, communicated consistently, and worked diligently to get us to a successful closing. Thank you, Patricia, for your professionalism and hard work. I look forward to closing many more deals together!
    Melissa Kaplan
    via Patricia Lazcano
    June 2026
    “
    Patricia Lazcano was absolutely amazing throughout my client’s home purchase in Kendall. She was professional, knowledgeable, responsive, and truly committed to making the process as smooth as possible from start to finish. My client felt supported every step of the way, and Patricia went above and beyond to ensure clear communication, quick updates, and a successful closing. In a competitive and sometimes stressful market, having a lender who is proactive and solution-oriented makes all the difference. I highly recommend Patricia to anyone looking for a reliable and dedicated lender in South Florida!
    Paola A. Rebellón
    via Patricia Lazcano
    May 2026
    “
    (Translated by Google) Excellent support throughout the process; their team is very professional. And they are very kind people; I recommend them 100%. (Original) Excelente acompañamiento en el proceso, muy profesional su equipo. Y son personas muy amables los recomiendo al 100%
    Claribel Calvo
    via Patricia Lazcano
    May 2026
    “
    Patricia is incredibly organized, proactive, and detail-oriented ? She always makes sure everything is handled efficiently and on schedule. Her ability to understand her clients’ goals and guide every step of the transaction with smart decisions truly stands out ?? We’ve bought two properties with her, and both experiences were seamless, stress-free, and very positive. We couldn’t be happier with her service and professionalism ??
    Laura Hernández
    via Patricia Lazcano
    May 2026
    “
    Patricia is very diligent and highly efficient. She stays ahead of the process and always has everything prepared on time. She understands her clients’ needs well and knows how to make strategic decisions throughout the transaction. We have purchased two properties with her, and we are very happy with the entire experience and the smoothness of the process.
    Laura Hernandez
    via Patricia Lazcano
    May 2026
    “
    Working with you made the home financing process smooth and stress-free. You were professional, responsive, and always available to answer questions throughout the entire process. Thank you for all your help in getting my new home!
    Omaida Naranjo
    via Patricia Lazcano
    May 2026
    “
    The best loan officer you can get. Attention to details and never take a not for an answer, always find a solution and get the transaction to the finish line, a successful closing.
    Ramon Batista
    via Patricia Lazcano
    May 2026
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    Our Branch

    SF Mortgage Team

    American Financial Network · NMLS #237341

    Address
    67 NW 183rd St, Suite 108
    Miami, FL 33169
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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