Kristian Ortiz

Pipeline Manager & Originator

Orlando- Florida

NMLS- 2024751

States Licensed: Florida, Puerto Rico

I love working in a team environment and help others strive at the same time. I have been in this industry since like 2006 or 2007 before the last recession and major regulatory changes. I started in the mortgage industry as a part-time Jr LO while I was in the military as a Sonar Technician on Submarines. Then I was discharged and moved from Virginia Beach to Los Angeles started working at Rockwell Collins in Irvine, CA as an Electromechanical Assembler Technician until I had a pipeline where I can work full time MLO as a commission only employee. When the economy crashed in late 2000s I began doing mortgage modifications but eventually relocated to Florida and I went into Admissions and Financial Aid. In 2011, I started my mortgage journey again at Freedom Mortgage (FMC) prepping colored folders until I eventually moved my way up to Compliance Reviewer, Funder and Junior Underwriting throughout my tenure at FMC. I love nabbing here and there of mortgages and numbers because I get bored in a mundane position and have enjoyed learning different aspects of Retail and Wholesale and I also experienced the dynamics as an MLO, Processor, Jr. UW and Closer. I enjoy working here due to the amazing team and staff we have in-house, and the ability to help people become homeowners!

EPM Mortgage Products

EPM offers a wide variety of products to help you purchase or refinance your home. We are licensed in all 50 states including Puerto Rico and Washington, D.C. and are dedicated to bringing you access to the most diverse array of home lending products available in the industry. 

Conventional Loans

Conventional loans are loans that are not insured by the federal government. The borrower must have good credit, sustained employment, and income history, and be able to put down at least 3% of the total loan.

If putting down less than 20%, most lenders require PMI or Private Mortgage Insurance to be able to recover in a situation of default. Some lenders do have conventional loans a low down payment and no private mortgage insurance.

FHA Loans

FHA Loans or Government-Insured Federal Housing Administration Loans are often times used for low-to-median-income buyers when buying their first property when they cannot qualify for a conventional loan.

You can put down as little as 3.5% and these loans usually have more lenient credit-score requirements. All FHA borrowers pay an upfront and annual mortgage insurance premium (MIP) which is an insurance policy for the lender backed by the federal government.

VA Loans

VA Loans are loans insured by the U.S. Department of Veterans Affairs (VA) and are a guaranteed home buyer loan for military service members, veterans, and their spouses. Borrowers can finance up to 100% of the loan amount without a required down payment.

These loans usually have lower interest rates, lower closing costs, and no PMI or MIP is necessary. VA loans may require a funding fee however, some do not and the fee varies based on service category and loan amount.

Jumbo Loans

Loans over $548,250, which is the conforming loan limit for a one-unit property, are considered jumbo loans. Some lenders classify jumbo loans as riskier and so, will require documentation of larger cash reserves, a strong credit score, and a down payment between 10-20%.

Bank Statement Loans

This loan program is ideal for buyers that earn seasonal income, are independent contractors, or are self-employed. Working with your information on bank statements and other documentation, we are able to lend based on your income.

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