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786.405.5155-Jorge 239.295.3545-Patrick

Expert Real Estate Services for Buyers and Sellers

Start Your Search

Expert Real Estate Services for Buyers and Sellers

Start Your Search

Featured Listing

*NOW OFFERED AT $345,000*

Please contact us for a Private Showing

786.405.5155 - Jorge

239.295.3545 - Patrick

More Info

Featured Listing

Please contact us for a Private Showing

786.405.5155 - Jorge

239.925.3545 - Patrick

More Info

Our Mission

At Homes and Loans Simplified, we strive to make the home buying process easier for everyone. Our goal is to provide transparent and reliable real estate services that cater to your unique needs.

Your dream home starts here. Get pre-approved in minutes!

Get Pre-Approved

FL HOMETOWN HEROES AVAILABLE

UP TO $35K TOWARDS DOWN PAYMENT & CLOSING COSTS

HEALTH CARE, SCHOOL STAFF, FIRST RESPONDERS, PUBLIC SAFETY, COURT, CHILD CARE, MILITARY & VETERANS

FL HOMETOWN HEROES AVAILABLE

UP TO $35K TOWARDS DOWN PAYMENT & CLOSING COSTS

HEALTH CARE, SCHOOL STAFF, FIRST RESPONDERS, PUBLIC SAFETY, COURT, CHILD CARE, MILITARY & VETERANS

FL HOMETOWN HEROES AVAILABLE

UP TO $35K TOWARDS DOWN PAYMENT & CLOSING COSTS

HEALTH CARE, SCHOOL STAFF, FIRST RESPONDERS, PUBLIC SAFETY, COURT, CHILD CARE, MILITARY & VETERANS

FL HOMETOWN HEROES AVAILABLE

UP TO $35K TOWARDS DOWN PAYMENT & CLOSING COSTS

HEALTH CARE, SCHOOL STAFF, FIRST RESPONDERS, PUBLIC SAFETY, COURT, CHILD CARE, MILITARY & VETERANS

FL HOMETOWN HEROES AVAILABLE

UP TO $35K TOWARDS DOWN PAYMENT & CLOSING COSTS

HEALTH CARE, SCHOOL STAFF, FIRST RESPONDERS, PUBLIC SAFETY, COURT, CHILD CARE, MILITARY & VETERANS

FL HOMETOWN HEROES AVAILABLE

UP TO $35K TOWARDS DOWN PAYMENT & CLOSING COSTS

HEALTH CARE, SCHOOL STAFF, FIRST RESPONDERS, PUBLIC SAFETY, COURT, CHILD CARE, MILITARY & VETERANS

Loan Programs

Conventional

A conventional loan is a mortgage that is not backed by a government program and is offered by private lenders. This type of loan is popular among those buying a home and is available in options like Fixed Rate, Adjustable Rate (ARM), and Jumbo Loans for higher-priced homes. Depending on the lender, down payment options can be as low as 3% of the home's purchase price.

FHA

Conventional

An FHA loan is a mortgage insured by the Federal Housing Administration and offered through approved private lenders, making it easier for those buying a home. This type of loan increases accessibility for first-time buyers by providing flexible credit requirements and allowing down payment options as low as 3.5%.

VA

Conventional

USDA

A VA loan is backed by the U.S. Department of Veterans Affairs and assists eligible veterans, service members, and surviving spouses in buying a home or refinancing. The benefits of these loans include no down payment, no monthly mortgage insurance, competitive interest rates, and the flexibility to reuse VA loan benefits multiple times.

USDA

Down Payment Assistance

USDA

A USDA home loan is a government-backed mortgage designed to make buying a home more affordable, requiring no down payment in eligible rural and suburban areas. These 100% financing loans assist eligible low- to moderate-income buyers in purchasing, building, or repairing a home, with options for both existing properties and new construction.

Down Payment Assistance

Down payment assistance (DPA) programs are available to those buying a home, they help cover upfront down payments and closing costs. These programs offer grants that don’t need to be repaid, forgivable second mortgages that can be waived after living in the home for a specific period (typically 5 to 15 years), or deferred-payment 0% interest loans that delay repayment until the primary mortgage is sold, refinanced, or paid off.

Non-QM

Down Payment Assistance

Non-QM loans provide flexible qualification options for those buying a home. For instance, Bank Statement Loans evaluate self-employed borrowers through bank deposits instead of tax returns. Additionally, DSCR Loans help real estate investors by approving them based on rental income that covers mortgage payments. Asset Depletion Loans offer another option, calculating income using liquid or retirement assets. Also , ITIN/Foreign National Loans cater to buyers without a U.S. Social Security Number.

Bridge Loans

A bridge loan is a short-term financing option that helps homeowners during the process of buying a home by covering the funding gap until permanent financing is secured. This type of loan allows individuals to finance the purchase of a new property or make necessary updates to prepare their current house for market before selling.

Reverse

Bridge Loans

Standard Reverse Mortgage (HECM Refinance) is designed for existing homeowners looking to tap into their home equity while keeping their monthly expenses low. This type of reverse mortgage converts accumulated home equity into cash, which can be accessed through a line of credit, lump sum, or monthly advances. With this option, homeowners can eliminate the need for monthly principal and interest payments, making it easier to manage finances.

Reverse for Purchase (HECM for Purchase / H4P) is an excellent choice for those buying a home, whether they are downsizing, upsizing, or relocating. This option enables buyers to use a single down payment along with a reverse mortgage to cover the remaining balance, allowing them to avoid all-cash purchases or standard monthly forward mortgage payments.

Commercial

Bridge Loans

Commercial

- Multi-Unit Properties

- Rehab & Construction

- Office

- Retail

- Mixed Use Developments

- Warehouse

- Assisted Living Facilities

- Churches

Refinance

More Options

Commercial

Refinancing replaces an existing mortgage with a new loan to secure better terms, reduce monthly payments, or access cash, which can be particularly beneficial for those buying a home. Homeowners typically choose either a Rate-and-Term Refinance—which modifies the interest rate, payment amount, or loan duration (such as moving from a 30-year to a 15-year term)—or a Cash-Out Refinance, which allows them to tap into built-up home equity for major expenses like renovations, education, or high-interest debt consolidation.

HELOC

More Options

A Home Equity Line of Credit (HELOC) is a revolving credit line secured by your home, enabling you to borrow up to 85% to 90% of its total value minus your remaining mortgage balance. This can be particularly useful when buying a home or renovating one of the homes for sale. During the initial draw period, typically lasting 10 years, you can access funds as needed, making only interest payments. Afterward, a 10- to 20-year repayment period kicks in, requiring full principal and interest payments.

More Options

- Condo

- Non-Warantable Condo

- Manufactured Homes

- P&L/1099

- Professional (Doctors, CPAs, etc.)

- Multi-Unit DSCR

- DSCR Construction

- Closed End 2nds

- Condotels

- Barndominiums

- Blanket Loans

- Land

- Builder Credit Lines

- Fix & Flip

* Contact us for even more programs!

Meet the Team

Man smiling in a pink blazer and white shirt.

Jorge Gomez, REALTOR® & Mortgage Loan Originator

Patrick Burns, REALTOR® & Mortgage Loan Originator

With over a decade of experience in the mortgage industry and a passion for real estate, I’m thrilled to offer clients a more comprehensive homebuying experience. As a dual-licensed Mortgage Loan Originator and REALTOR®, I effectively bridge both sides of the real estate transaction, guiding clients through the financing process and the journey of buying a home. Having lived in Southwest Florida for the past 28 years, I possess a deep familiarity with the local market, including areas like Naples, Marco Island, Bonita Springs, Fort Myers, Cape Coral, Lehigh Acres, and North Fort Myers. My extensive experience encompasses both new construction homes and resale properties, enabling me to assist buyers in finding homes for sale that fit their needs and make informed decisions with confidence. Throughout my mortgage career, contractual obligations with previous employers limited my ability to fully utilize my real estate license. Now, I’m eager to merge my expertise in both areas to deliver a seamless, personalized homebuying experience. My aim is to simplify the process, provide clear guidance, and support clients at every stage—from exploring financing options to finding the right property and achieving homeownership. I specialize in assisting first-time homebuyers, new construction buyers, luxury home clients, custom and spec home buyers, as well as real estate investors. Being bilingual in English and Spanish allows me to serve a diverse community, making the homebuying process more accessible for families. I believe that buying a home should be an enjoyable and rewarding journey, not an overwhelming task. By combining my mortgage knowledge, real estate expertise, and commitment to customer satisfaction, I strive to offer a personalized experience built on trust, communication, and results. Whether you’re purchasing your first home, constructing your dream home, exploring luxury properties, or investing in real estate, I'm here to help you make your next move with confidence. Let’s get started! Contact me today to discuss your homeownership goals and learn how working with one professional for both your real estate and financing needs can make all the difference. I look forward to working with you!

SL3598990

NMLS# 1174246

Show Less

Smiling bald man with a beard in a black polo shirt.

Patrick Burns, REALTOR® & Mortgage Loan Originator

I moved to beautiful Southwest Florida almost 20 years ago and have lived in Naples, Bonita Springs, and now Fort Myers. I began my real estate career as a Mortgage Loan Originator, which I am currently licensed as today. Active in our local community, I have built strong relationships with experts across various fields, enhancing my abil

With extensive knowledge of the Southwest Florida market, I leverage innovative marketing strategies and strong negotiation skills to ensure you achieve results that exceed your expectations. I am dedicated to making real estate transactions clear and simple, and I take pride in communicating promptly with everyone involved. Holding a B.S. in Cybersecurity & Computer Forensics, I continually update my understanding of technology and market trends to give my clients a distinct edge. Whether you're searching for homes for sale or navigating the loan process, I look forward to earning your business.

SL258035430

NMLS# 2009414

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Join Our Team

Patrick Burns, REALTOR® & Mortgage Loan Originator

Join Our Team

Now hiring Real Estate Agents & Mortgage Loan Originators.

Homes and Loans Simplified, LLC, is an Equal Opportunity Employer that supports the Fair Housing Act

Explore stunning properties with us

Single-story home with 3 beds, 2 baths, and 2-car garage in Fort Myers.

4-bedroom, 2-bath Miami home with pool and patio, just listed for $950,000.

Architects discussing a digital house model over blueprints.

Person putting coin in piggy bank with small house model.

Person signing a contract with a miniature house on the table.

Contact Us

Homes and Loans Simplified

Southwest Florida

786.405.5155 - Jorge 239.295.3545 - Patrick

Reach out by phone, text, or email!

Lincoln Lending Group, LLC

Company NMLS 355238

Individual NMLS 2009414

WWW.NMLSCONSUMERACCESS.ORG

Lincoln Lending Group is an Equal Opportunity Employer and supports the Fair Housing Act.

* Lincoln Lending Group, LLC IS NOT AFFILIATED WITH Real Broker, LLC

Lincoln Lending Group, LLC

The information provided here is considered reliable but not guaranteed and is intended solely for consumers' personal, non-commercial use. It may not be utilized for any purpose other than to identify prospective properties, such as homes for sale, that consumers may be interested in buying a home.

Real Broker, LLC

Lincoln Lending Group, LLC

Real Broker, LLC

State Brokerage Licenses: FL: CQ1049632

State Individual License: FL: SL3598990 - Jorge | SL3613404 - Patrick

Broker Name: Alicia Dawn Williams

Brokerage License Number: CQ1049632

Physical Address: 122 West Pine St Suite 300 Orlando, FL 32801

Mailing Address: 39899 Balentine Dr. #200 Newark, CA 94560

Broker Email: flbroker@therealbrokerage.com

* Real Broker, LLC IS NOT AFFILIATED WITH Lincoln Lending Group, LLC

Homes And Loans Simplified, LLC

786.405.5155 - Jorge | 239.295.3545 - Patrick

Expert Real Estate Services for Buyers and Sellers

Expert Real Estate Services for Buyers and Sellers

Featured Listing

Featured Listing

Our Mission

Your dream home starts here. Get pre-approved in minutes!

FL HOMETOWN HEROES AVAILABLE

UP TO $35K TOWARDS DOWN PAYMENT & CLOSING COSTS

HEALTH CARE, SCHOOL STAFF, FIRST RESPONDERS, PUBLIC SAFETY, COURT, CHILD CARE, MILITARY & VETERANS

Loan Programs

Conventional

Conventional

Conventional

FHA

Conventional

Conventional

VA

Conventional

USDA

USDA

Down Payment Assistance

USDA

Down Payment Assistance

Down Payment Assistance

Down Payment Assistance

Non-QM

Down Payment Assistance

Down Payment Assistance

Bridge Loans

Bridge Loans

Bridge Loans

Reverse

Bridge Loans

Bridge Loans

Commercial

Bridge Loans

Commercial

Refinance

More Options

Commercial

HELOC

More Options

More Options

More Options

More Options

More Options

Meet the Team

Jorge Gomez, REALTOR® & Mortgage Loan Originator

Patrick Burns, REALTOR® & Mortgage Loan Originator

Patrick Burns, REALTOR® & Mortgage Loan Originator

Patrick Burns, REALTOR® & Mortgage Loan Originator

Patrick Burns, REALTOR® & Mortgage Loan Originator

Patrick Burns, REALTOR® & Mortgage Loan Originator

Join Our Team

Patrick Burns, REALTOR® & Mortgage Loan Originator

Join Our Team

Explore stunning properties with us

Contact Us

Homes and Loans Simplified

E-mail Us

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Lincoln Lending Group, LLC

Lincoln Lending Group, LLC

Lincoln Lending Group, LLC

Lincoln Lending Group, LLC

Lincoln Lending Group, LLC

Real Broker, LLC

Lincoln Lending Group, LLC

Real Broker, LLC

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