EMM Loans, LLC - Bayer Home Loan Team, Lutz, FL
People and Housing, Who we are, What we do!
Lutz, FL
EMM Loans LLC is always here and ready to help! EMM Loans LLC is a Residential Mortgage Lender offering private, direct, and affordable home loans paired with Best in Class customer service since 2004! Whether it’s a new home purchase, debt...... Show More
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Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Erin and Kristi are fabulous!!! They were a joy to work with and made such a detailed experience feel easy. They work hard for you and I appreciate them so much.
Reply from Erin Bayer Santos
March 9th, 2026 03:38 PM
I'm grateful for your kind words, Lori. It's wonderful to know that I, along with Kristi, could help make the process easier for you. We are committed to working diligently to provide the best possible service. Thank you for expressing your...
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Erin, you and Kristi are a dream team! You were so wonderful to work with and gave us so much peace of mind from the beginning to the end. You guys are the best and highly recommend you to anyone!
Reply from Erin Bayer Santos
March 4th, 2026 02:50 PM
I'm glad to know that you had such a positive experience, Gregory, and that both Kristi and I could provide the peace of mind you were looking for. It's always our goal to make the process as smooth as possible. Thank you for sharing your thoughts...
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Erin and her team were amazing! The financial aspect of buying a home can be tedious and extremely intimidating but Erin simplified things in a way that I could understand. Erin was available to me whenever I had questions and gave me ease...
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Reply from Erin Bayer Santos
November 14th, 2025 07:55 PM
I appreciate your thoughtful review, Yeseul. It’s great to hear that my efforts in simplifying the home buying process were beneficial for you. I always aim to be available and supportive, so knowing you felt at ease is rewarding. Thank you...
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Erin Bayer Santos has received a review with 4.75 star rating from Alethea P
Reply from Erin Bayer Santos
November 12th, 2025 09:17 PM
Thank you for your rating, Alethea. I appreciate it! If there's more you'd like to share about your experience, feel free to reach out to me directly.
Erin Bayer Santos has received a review with 5 star rating from Brittney M
Reply from Erin Bayer Santos
September 18th, 2025 02:12 PM
I appreciate the positive rating, Brittney. If there's ever anything more you need, feel free to reach out.
responsive in a timely manner and great guidance through the entire process
Reply from Erin Bayer Santos
September 4th, 2025 12:45 PM
I'm grateful for your feedback. It's reassuring to know that the guidance provided and timely responses were helpful to you throughout the process. If there’s anything more I can assist you with, please feel free to get in touch.
A HUGE THANK YOU to Erin, Amanda and Kristi. I am grateful to have cross paths with you all. You made our refinance and purchase look so easy, but I know that behind the scene there was alot of work in process. I am 100% recommending your team,...
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Reply from Erin Bayer Santos
August 29th, 2025 02:08 PM
Thank you for your kind words. I'm so glad I could play a part in your refinancing and purchase journey. It's wonderful to know that you found the process smooth, as that's always my goal. Your recommendation means a lot to me, and I truly...
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Work hard to make everything happen
Reply from Erin Bayer Santos
August 22nd, 2025 02:16 PM
Thank you, Jordan, for recognizing my efforts. I'm glad to hear that my dedication made a positive impact on your experience. If there's anything more you'd like to share or discuss, please don't hesitate to reach out. Your feedback is truly...
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Erin Bayer Santos has received a review with 5 star rating from Jacqueline V
Reply from Erin Bayer Santos
August 20th, 2025 12:39 PM
Thank you so much, Jacqueline, for your kind words and the stellar rating. It's incredibly rewarding to know that your experience with me at EMM Loans was a positive one. If there's ever anything else I can assist you with or if you have more...
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Erin Bayer Santos has received a review with 5 star rating from Jeffrey S W
Reply from Erin Bayer Santos
August 19th, 2025 04:37 PM
Jeffrey, thank you so much for your kind words and the wonderful rating. I'm truly pleased that your experience was a positive one. If there's anything more you'd like to discuss or need assistance with, don't hesitate to reach out to me directly....
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About
EMM Loans LLC is always here and ready to help! EMM Loans LLC is a Residential Mortgage Lender offering private, direct, and affordable home loans paired with Best in Class customer service since 2004! Whether it’s a new home purchase, debt consolidation, refinancing, investment, or second home loan, our dedicated team can help with all of your residential financing needs. With superior customer service, quick response times, and our easy-to-use digital mortgage platform, you’ll experience the most convenient way to apply for a home loan. Experience the difference for yourself, and let us put our expertise to work for you! EMM Loans LLC is an Equal Housing Lender/Equal Opportunity Employer. Lender NMLS: 2926.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Time Zone
Eastern Standard Time (EST)
Licenses
- https://www.emmloans.com/state-licensing/
Disclaimer
EMM Loans, LLC (DBA Eq Loans, Medford Mortgage, Fidelity Lending LLC, Ideal Mortgage Group, Maximus Mortgage Advisors), 1950 Route 70 East, Suite 300, Cherry Hill, NJ 08003. Lender NMLS ID# 2926. EMM Loans LLC is not affiliated with or endorsed by any state or federal government entities, or any entities sponsored by the same. EMM Loans, LLC holds the following licenses or approvals from the entities listed below which allow it to act as a privately owned mortgage lender.
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