Louis Pacheco
🏆 Reverse Mortgage & Home Loan Specialist · NMLS #2191029

Real Solutions for
Every Stage of Homeownership.

I'm Louis Pacheco — Branch Manager at Lending Power LLC. Whether you're buying your first home, refinancing, or exploring a reverse mortgage to access your equity, I'll find the right solution for you in California and Florida.

Get a Free Consultation → 📞 (305) 842-0080
HUD-Approved HECM Specialist
Licensed in CA & FL
Fast, Personal Service

Let's find the right mortgage for you.

Fill out the quick form and Louis will personally reach out within 24 hours to walk through your options — no pressure, no commitment.

  • Reverse Mortgages (HECM) for homeowners 62+
  • Home Purchase — FHA, Conventional, VA, USDA
  • Refinance & Cash-Out
  • Equity Solutions & HELOCs
  • CA & FL licensed
Book a free 10-minute consultation — no obligation

Your information is never shared. Louis will reach out directly.

Why Work With Louis?

Personalized service and the right loan — every time.

Direct Access

You work with Louis personally — not a call center or assistant.

HECM Expert

Deep expertise in reverse mortgages — a specialty most LOs don't have.

Fast & Responsive

Quick turnaround times and clear communication at every step.

People First

Every loan is different. Louis listens and finds what works for your situation.

🏛️ HUD-Approved HECM Program
Reverse Mortgage Specialist

Turn Your Home Equity Into Cash — No Monthly Payments

A reverse mortgage (HECM) lets eligible homeowners 62 and older convert part of their home equity into tax-free cash — with no required monthly mortgage payment. You keep title to your home.

No required monthly mortgage payment
Stay in your home — you retain title
Proceeds not considered taxable income
FHA-insured, HUD-regulated program
Available in California & Florida

Borrowers remain responsible for property taxes, insurance, and home maintenance. Loan becomes due upon sale, when the home is no longer the primary residence, or upon default. Consult a tax advisor regarding income implications. HUD counseling required.

Learn If You Qualify →
Reverse Mortgage Specialist Louis Pacheco
All Mortgage Solutions

Every Stage of Your Real Estate Journey

CA & FL licensed — reverse mortgages to first-time purchases and everything in between.

Reverse Mortgages

HECM loans for homeowners 62+ — access equity with no required monthly payments.

Home Purchase

FHA, Conventional, VA, and USDA programs for buyers in California and Florida.

Refinance

Lower your rate, reduce your term, or access cash from your equity.

Equity Solutions

HELOCs and cash-out options to put your home's equity to work.

Ready to Get Started?

Start your application in minutes. Louis will personally guide you through every step.

Apply Online Now →
Common Questions

Mortgage FAQ

Who qualifies for a reverse mortgage?
Homeowners 62 or older who live in the home as their primary residence and have sufficient equity. The home must meet FHA property standards. A HUD-approved counseling session is required before proceeding.
Do I still own my home with a reverse mortgage?
Yes — you retain full title to your home. The loan becomes due when you sell, move out permanently, or no longer meet the loan's requirements (such as maintaining taxes, insurance, and the property).
How much can I borrow with a reverse mortgage?
The amount depends on your age, your home's appraised value, current interest rates, and any existing mortgage balance. Generally, the older you are and the more equity you have, the more you can access.
What loan programs are available for home purchases?
Louis offers FHA (as low as 3.5% down), Conventional, VA (zero down for veterans), and USDA (zero down in eligible rural areas) for qualified buyers in California and Florida.
How long does the mortgage process take?
Purchase loans typically close in 21–30 days with complete documentation. Reverse mortgage closings can take 30–45 days due to the required HUD counseling step. Louis will keep you informed at every stage.