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Roberto Rafael Martinez
Federal Mortgage Loan Originator
Certified Mortgage Planners - Lake Mary, FL

I help first-time homebuyers, veterans, self-employed buyers, and real estate investors throughout Florida understand their mortgage options and make confident financing decisions. As a mortgage expert and mortgage author, I’ve helped 1,000... Show More
Location & Business Hours
Business Hours
Wed
8:30 AM to 5:30 PM
Thu
8:30 AM to 5:30 PM
Fri
8:30 AM to 5:30 PM
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Reviews from Web
Roberto Rafael Martinez has received a review with 5 star rating from Ada F S
Reply from Owner
September 12th, 2026 12:13 AM
Thank you so much for the awesome rating Ada. Look forward to working with you again soon!!!
The service that we received was very professional.
Reply from Owner
September 14th, 2026 09:40 PM
Thank you much for the feedback Sergio, look forward to working with you in the furure again!
My experience with Roberto was a 10/10 . He helped me so much to find the best rates and home for me . He was always available to give me my estimated mortgage on any home I was interested in making an offer on . He was very patient and answered...
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(Translated by Google) Excellent attention, service, and very professional, thank you.
(Original)
Excelente atención, servicio y muy profesional, gracias
Reply from Owner
September 9th, 2026 08:33 PM
Muchas gracias por surecomendacion amiga. Fue un placer servirles. Hasta la proxima!
Excelente atención, servicio y muy profesional, gracias
Reply from Owner
September 10th, 2026 12:00 AM
Muchas gracias por surecomendacion amiga. Fue un placer servirles. Hasta la proxima!
I can’t recommend Roberto enough! He went above and beyond throughout the entire home-buying process and truly advocated for me every step of the way. I always felt like he had my best interests at heart and genuinely cared about helping me...
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Reply from Owner
September 9th, 2026 08:32 PM
Thank you so much for the great review Elizabeth ! It was truly a pleasure helping you through your home-buying journey. Knowing that you felt supported and that your best interests were always protected means a great deal to me. I’m grateful...
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I am pleased to recommend/refer Roberto Martinez from Certified Mortgage Planners for his outstanding service and professionalism as a mortgage loan originator.From the beginning of the loan process, he was extremely helpful, knowledgeable,...
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Reply from Owner
September 9th, 2026 08:31 PM
Thank you so much for this thoughtful recommendation Miriam. It was truly a pleasure guiding you through the mortgage process, and I’m grateful for the trust you placed in me and the team at Certified Mortgage Planners. Making the experience...
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We bought our house over a year ago and Roberto is still there for us to answer questions we might have
Reply from Owner
September 11th, 2025 12:00 AM
Thank you, Wanda, for such a wonderful review. It's great to know that I could make the home buying process easier and less stressful for you. Being able to walk you through each step and offer guidance when needed is always my goal. I'm grateful...
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Roberto was pleasant and helpful from the very 1st call. He was able to provide amazing advice and guidance through the process which relieved any stress I had. He and his staff were highly professional and communicative throughout making sure...
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Reply from Roberto Rafael Martinez
September 10th, 2026 09:39 PM
Thank you so much for your thoughtful review, Mary :-) It was truly a pleasure working with you from our very first call through closing. I’m glad that the guidance and communication from my team and me helped make the process less stressful....
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Roberto and his tean were amazing. Their guidance and hard work helped to
make this journey for me and my family wonderful. We love our home! Thank you all for everything.
Reply from Roberto Rafael Martinez
September 10th, 2026 07:00 AM
Thank you so much for your kind words and for trusting my team and me to be part of such an important journey. Helping you and your family achieve your dream of homeownership was truly our pleasure. Knowing that you love your new home is the...
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About
I help first-time homebuyers, veterans, self-employed buyers, and real estate investors throughout Florida understand their mortgage options and make confident financing decisions. As a mortgage expert and mortgage author, I’ve helped 1,000+ families become homeowners. My focus includes first-time homebuyer financing, down payment assistance, VA mortgages, self-employed buyer financing, real estate investor loans, home purchase financing, refinancing, and mortgage planning. I serve English- and Spanish-speaking clients throughout Florida with an education-first approach that makes mortgages easier to understand. My goal is to provide clear guidance so buyers and investors can evaluate financing options and move forward with confidence.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Bridge Loans
USDA Loans
Non-QM
Specialities
VA loans
FHA loans
USDA loans
Conventional loans
Hard money lender
Self Employed programs: Bank Statement, 1099, & P&L loan programs
Investor programs including no Income Verification
Foreign National, ITIN, DACA & non-permanent resident loan programs
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Memberships
- FAMP
- NAMB
- NMLS
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2004
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS #1637639
Awards
Employee of the Mo...
Achievements
- Employee of the Month
Hobbies
- Reading
- Swimming
- Bike
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Disclaimer
All loans are subject to terms and conditions. All applications are subject to program rules and underwriting guidelines and are applicable to qualified individuals only. Not all applicants may qualify. This is not a commitment to lend. Equal housing lender. NMLS # 210950. Contact us for details.