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Hi, I’m Emilio Fernandez. For three decades, I have helped Florida families navigate the complex world of home financing with absolute confidence. After founding Florida Mortgage Capital Inc. in 1996, I chose to keep my practice intentionally boutique. Why? Because I believe you deserve a dedicated advocate, not a corporate call center. When you work with me, you get direct access to 30 years of local lending expertise, highly competitive rates, and a partner who treats your home loan as a top priority from application to closing day. Let’s cut through the red tape together and open the door to your next chapter.  

Today's technology is providing a more productive environment to work in. For example, through our website you can submit a complete on-line, secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and going over various mortgage scenarios.

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