✓ No FHA Approval Required
✓ Open Line of Credit While You Meet Loan Terms
✓ Available at Age 55
✓ Loans Up to $4 Million
Work directly with Diego Quintero, Licensed Loan Officer and licensed Florida mortgage broker. Our proprietary reverse mortgage is available at age 55 with loan amounts up to $4 million and no FHA approval required.
See If You May QualifyNo obligation · No paperwork to get started · We take our time with you
Licensed Loan Officer
Sunshine State Home Loans, LLC
Tarpon Springs, Florida 34689
(727) 244-7076
When you call Sunshine State Home Loans, you speak directly with Diego Quintero. There is no call center, no automated system, and no junior loan officer screening your call. Diego personally handles every consultation and walks you through your reverse mortgage options.
As a licensed Florida mortgage broker, Sunshine State Home Loans is held to the highest standards of professional conduct. Our company is registered with the Nationwide Multistate Licensing System (NMLS ID #1901827), holds Florida Mortgage Broker License #MBR3278, and maintains BBB accreditation with an A+ rating.
Whether you were referred by a friend, found us online, or heard about us through a trusted advisor, we appreciate your consideration and look forward to earning your trust.
Choosing the right mortgage broker for your reverse mortgage is one of the most important decisions you will make. Many Florida homeowners have been given incomplete or inaccurate information about their reverse mortgage options by brokers who do not specialize in this product.
Here are some common frustrations Florida homeowners have experienced before finding us:
We specialize exclusively in reverse mortgages for Florida homeowners. This focus allows us to offer deeper product knowledge, better service, and more options than brokers who treat reverse mortgages as a side product.
Every conversation starts with a free, no obligation loan comparison. We show you the numbers for your specific property and situation so you can make an informed decision. There is no pressure of any kind. All loans are subject to property and borrower approval.
Our clients appreciate the personal attention, deep product knowledge, and honest guidance they receive when working with Diego and the Sunshine State Home Loans team.
When you call (727) 244-7076, you reach Diego Quintero personally. No call center, no automated system. Diego handles your consultation from the first call through closing. You always know who is managing your loan.
The FHA government program requires age 62. Our proprietary reverse mortgage is available starting at age 55. If you are between 55 and 61, this may be your only reverse mortgage option. Diego can walk you through how it works for your situation.
Eligible Florida properties may qualify for loan amounts up to $4 million through our proprietary reverse mortgage. The amount depends on your age, property value, and other factors. Diego will prepare a personalized loan comparison at no cost. Subject to property and borrower approval.
Sunshine State Home Loans maintains Better Business Bureau accreditation with an A+ rating. We believe in transparency, honest communication, and putting our clients first. You can verify our accreditation through the BBB website at any time.
Sunshine State Home Loans serves both English and Spanish speaking clients throughout Florida. If you or a family member are more comfortable communicating in Spanish, Diego is happy to conduct the entire consultation in your preferred language. Hablamos Español.
Real reviews from Florida homeowners who trusted us with their reverse mortgage.
Who is Diego Quintero at Sunshine State Home Loans?
Diego Quintero is the Licensed Loan Officer at Sunshine State Home Loans, LLC. He is a licensed Florida mortgage broker based in Tarpon Springs, Florida. Diego specializes in proprietary reverse mortgages for Florida homeowners age 55 and older. He personally handles every client consultation from the initial call through closing. You can reach Diego directly at (727) 244-7076.
What reverse mortgage products does Sunshine State Home Loans offer?
Sunshine State Home Loans specializes in proprietary reverse mortgages for Florida homeowners. Our program is available starting at age 55, offers loan amounts up to $4 million, requires no FHA or HUD condo community approval, and has no upfront mortgage insurance premium. Borrowers remain responsible for property taxes, homeowners insurance, HOA dues, and special assessments. All loans are subject to property and borrower approval.
Is Sunshine State Home Loans a licensed Florida mortgage broker?
Yes. Sunshine State Home Loans, LLC is a licensed Florida Mortgage Broker, not a lender or mortgage banker. Our company NMLS ID is #1901827 and our Florida Mortgage Broker License is #MBR3278. You can verify our licensing through the NMLS Consumer Access website at nmlsconsumeraccess.org.
What areas of Florida does Sunshine State Home Loans serve?
Sunshine State Home Loans serves homeowners throughout the entire state of Florida. While our office is located in Tarpon Springs, FL 34689, we work with eligible borrowers in every Florida county. We also serve Spanish speaking clients. Hablamos Español. Contact us at (727) 244-7076 to discuss your situation.
How do I get started with Sunshine State Home Loans?
Call Diego Quintero directly at (727) 244-7076 or fill out the short form on this page. Diego will personally prepare your free loan comparison and walk you through your options. There is no paperwork to get started and no obligation of any kind.
There is no paperwork to speak with us. No pressure of any kind. Just an honest conversation about your home, your situation, and your options.
Sunshine State Home Loans · Licensed in Florida · Serving homeowners across the entire state
Educational guides to help you understand your options. No jargon, no pressure.
Many Florida condo communities lack FHA approval. Learn how a proprietary reverse mortgage may offer an alternative path.
Read More →The traditional HECM starts at 62, but a proprietary reverse mortgage may be available at 55. Here is what to know.
Read More →Facing a large special assessment on your Florida condo? A reverse mortgage may help you cover the cost without draining your savings.
Read More →Fill out the short form below and Diego Quintero will personally prepare your free reverse mortgage loan comparison and walk you through your numbers. No paperwork. No commitment. No obligation of any kind.
This is a short eligibility screen, not an application, not a credit decision and not a loan offer. Your answers tell us whether the program fits your home, and a licensed loan originator goes through the numbers with you before you apply for anything.
Please note: Borrowers are always responsible for the payment of property taxes, homeowners insurance, HOA dues, and any special assessments. Failure to meet these obligations may result in the loan becoming due and payable. This is not a commitment to lend. All loans are subject to credit and property approval.
Not available for manufactured or mobile homes.
This website is for informational purposes only and does not constitute financial, legal, or tax advice. Reverse mortgage products are subject to eligibility requirements, terms, and conditions. All loans are subject to credit approval. This material is not a commitment to lend. Sunshine State Home Loans is licensed to offer mortgage products in the state of Florida. Results vary based on individual circumstances. For complete program details, please contact us directly at (727) 244-7076.
Interest rate is variable and subject to change.