10 Best Mortgage Lenders in Puerto Rico: Top Steps

Not sure which type of loan to choose for your home? Experienced Mortgage Brokers in Puerto Rico, can help you through.

Looking for the best Mortgage Lenders in Puerto Rico and what they offer, you must read till the end.

The process of applying for a loan can make anyone feel frustrated and confused. Mortgage Lenders provide the assistance and attentive care that clients deserve.

They make the mortgage process as convenient and stress-free as possible and personalized services tailored to lifestyle and goals.

The housing market in Puerto Rico is an ever-evolving industry, and for potential homebuyers, securing a mortgage is often a critical step in achieving their dream of homeownership.

Housing mortgage lenders in Puerto Rico play a key role by providing financial solutions and facilitating the purchase of properties. 

How to Find the Best Mortgage Lenders in Puerto Rico 

Finding the right home loan requires careful consideration of your individual needs, financial situation, and personal history. 

Mortgage Lenders in Puerto Rico provide clients with guidance throughout this process.

When it comes to selecting a mortgage broker in  Puerto Rico, there are several factors to keep in mind. It is crucial to prioritize the following points when making your decision:

  1. Ensure that the mortgage broker thoroughly understands your unique financial circumstances.
  1. Look for a broker who has prior experience working with clients in similar situations or cases.
  1. Consider the broker’s level of expertise and the number of years they have spent in the mortgage industry.
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Additionally, it is advisable to choose a broker who operates close to your desired location for property purchase. This local expertise allows them to have a better understanding of the real estate market in that specific area. 

Seeking recommendations and feedback from trusted friends and family members can also aid in finding a reliable broker.

To make an informed decision, conduct thorough research, explore online resources, consult with real estate agents, and engage in conversations with multiple brokers. 

By carefully considering these factors, you can select a mortgage broker who will assist you in finding a reputable lender and making the right mortgage choice.

The List of Best Mortgage Lenders in Puerto Rico

Here is a detailed list of Top Mortgage Lenders in Puerto Rico and what they offer: 

FEMBi Mortgage Bankers Puerto Rico Office 

FEMBi Mortgage since 1997 has offered a wide range of home financing and mortgage solutions in South Florida and Puerto Rico. 

With a team of experienced mortgage professionals, they are dedicated to finding the best mortgage product for clients. FEMBi Mortgage partners with credit unions and community banks to provide adequate support and services.

Services range from Buying First Home, Refinancing, Reverse Mortgage, and Mortgage Products including Conventional, FHA, VA, USDA-Rural, and other specialty mortgage product alternatives.

Visit https://fembi.com/es/inicio/ for more information.

Sun West Mortgage Company, Inc.

Sun West Mortgage Company, is a technology and financial enablement firm and one of the largest privately owned mortgage lenders and servicers. 

This firm is an industry leader with a focus on client satisfaction, delivering low rates, cost savings, and great service.

Sun West is Approved and Licensed (https://www.nmlsconsumeraccess.org/) in 48 states, Puerto Rico, and US Virgin Islands to offer Mortgage Lending Services and more. 

Visit the Website for more details.

Co/LAB Lending | Puerto Rico – Mortgage Broker 

Co/LAB Lending is a mortgage broker in Puerto Rico committed to superior customer service and ultimate client satisfaction with over 30 years of experience. 

This firm offers services to first-time home buyers or for refinancing investment properties. They guide clients through the entire mortgage process from application to closing and more.

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Services Offered: 

  • Conventional Loans
  • Government Loans
  • Specialty Home Loans

All Co/LAB loan officers are licensed through the Nationwide Mortgage Licensing System (NMLS). 

Visit the Website for more details. 

Equity Mortgage, Inc.

EMI Equity Mortgage, Inc. was founded in 1986 and for more than 33 years has offered clients financing services for the purchase of their residence in Puerto Rico. 

Equity is approved by organizations and is committed to providing clients with product guidance. They help clients with Buying, Improvements, and Refinancing.

Visit the Website for more information.

Aceland Mortgage LLC 

Aceland Mortgage LLC, mortgage brokers have served clients with expertise for over 20 years. 

They offer outstanding services for mortgage refinancing, first-time mortgage loans, or any other financing solution, offering transparency and delivering phenomenal customer service. 

This firm aims to provide clients with strategic insights that empower them to make the best financing decisions according to their mortgage needs. They also Assess and Educate clients ensuring adherence to banking and economic legislations.

Mortgage Services include V.A.loans, Jumbo Loans, Conventional Loans, F.H.A Loans, Reverse Loans, and more. 

Visit the Website for more details

Home Mortgage Bankers 

Home Mortgage Bankers is a Puerto Rican mortgage bank founded in 2005 and provides excellent services with immediate response. 

Collaborators strive to guide clients from orientation, origination, process, and closing, of their mortgage loan. 

Services range from Buying Houses, Refinancing, Reverse Mortgage, and more. 

Home Mortgage Bankers is certified by the Federal Housing Administration (FHA), Veterans Administration (VA), and USDA Rural Development / Farmers Home.

Visit the Website for more information.

Moneyhouse Puerto Rico 

Moneyhouse Realty Group is a specialized division of mortgage executives created to serve clients with purchase transactions.

From first-time homebuyers and more, their teams are Licensed to assist with the latest residential mortgage programs. 

Services Offered Include: 

  • FHA Loans 
  • VA Loans 
  • USDA/Rural Loans 
  • Jumbo Loans 
  • Reverse Mortgage
  • Conventional Conforming Loans 
  • Non-Conforming Loans
  • Specialty Loan Programs 

Visit the Website for more details 

ViG Mortgage 

ViG Mortgage is a Licensed Mortgage Bank with experts and specialists only in mortgage loans for over 15 years. 

They are committed to clients seeking to have more mortgage products and work to find approval as fast as possible. Mortgage loans.

Services range from Federal Government Loans, Conventional Loans, Refinancing, Home Purchase, and more. 

Visit the Website for more information.


RF MORTGAGE established in 1977, is a mortgage Bank committed to offering clients personalized service.

They guide and offer clients the best alternative available in the market. 

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RF Mortgage offers a wide variety of mortgage products to meet the needs of clients and is an expert in federal loans, conventional loans, and more.

Visit The Website for more information.

Trust Mortgage Corp.

Trust Mortgage Corp. is a trained team united by a philosophy of business, ethical, legal, and moral principles, serving as a Mortgage Bank in Puerto Rico.

The Trust Mortgage is committed to serving clients with integrity, efficiency, and professionalism offering multiple mortgage products to finance loans for purchase, repair and more.

Services range from FHA Loans, Veteran Loan, Rural Loan, Conventional loans, and more.

Visit the Website for more information. 

How much is a down payment on a house in Puerto Rico?

To buy a house in Puerto Rico, it is necessary to go through a pre-qualification process for a loan. If you intend to make a cash payment, you must provide proof of having enough funds.

Typically, having a strong credit score and being able to make a 20% downpayment are the usual requirements for obtaining a loan.

Does Bank of America lend in Puerto Rico?

Bank of America supports local economies by partnering with community development financial institutions (CDFIs) across the U.S., Puerto Rico, and the District of Columbia.

Do I need to pay a fee to work with the best mortgage brokers in Puerto Rico?

Generally, mortgage brokers in Puerto Rico earn their income through commissions paid by lenders.

They often don’t charge direct fees to borrowers. However, it is important to discuss this aspect with potential brokers during the initial consultation to have a clear understanding of their fee structure, if any, and any associated costs.

How long does it take brokers in Puerto Rico to secure a mortgage for me?

The timeframe for securing a mortgage can vary depending on various factors, including the complexity of your financial situation, property type, documentation requirements, and the efficiency of the lender’s processing. 


By working with mortgage brokers in Puerto Rico, borrowers can benefit from their expertise, market knowledge, and access to a wide range of lenders. 

This can potentially save borrowers time and effort in finding suitable mortgage options and increase their chances of securing favorable loan terms.

Overall, mortgage brokers in Puerto Rico play a vital role in facilitating the mortgage lending process, helping borrowers navigate through the complexities of obtaining a mortgage, and connecting them with lenders who can meet their specific needs.

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