Robert Santos

Mortgage Loan Officer

NMLS #: 1395940
Cell 407-457-0851
Fax 703-925-5014
Business Hours: Hours may vary - Call or email anytime

Robert is a longtime resident of Central Florida and has been working in finance and lending since 2007. He brings 5 years of residential mortgage lending experience in credit unions to NWFCU where he will look to add to this success through servicing members in all 50 States.
“With the stress and confusion that comes up so commonly when purchasing a new home or financing your current home, I’m here to make the process as easy as possible. It’s my goal to not only help educate potential applicants, but to do so with efficiency, clarity, professionalism and product knowledge. Whether you’re buying your first home, building your dream home or wanting to borrow to improve your current home, I’m here to assist you with making the best decision to accommodate your financial wellness.”

Applying online is as easy as 1-2-3.

Obtain a Personalized Rate Quote Now!

1. Apply Now and complete the application.
2. When you have completed the application, click submit and your information will be reviewed for instant online approval.
3. I will follow up to answer your questions.

My goal is to provide the highest level of service at competitive rates. I am always a phone call away if you need help. Contact me at 407-586-7619.

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Today's Rates

The First Mortgage interest rates listed below are for purchase transactions only. Please complete a Rate Quote to see our refinance rates.

First Mortgage - Conforming Limits
30 Year Fixed Rate
 Rate  APR  Points
 7.000%  7.135%  1.000%
 7.125%  7.210%  0.500%
15 Year Fixed Rate
 Rate  APR  Points
 6.500%  6.715%  1.000%
 6.625%  6.800%  0.750%
SOFR 5 Year ARM Conforming
 Rate  APR  Points
 6.875%  7.688%  0.500%
 7.000%  7.714%  0.250%
SOFR 7 Year ARM Conforming
 Rate  APR  Points
 6.625%  7.409%  0.500%
 6.750%  7.449%  0.250%
97% Financing - HomeReady
HomeReady Mortgage 30yr
 Rate  APR  Points
 6.750%  7.250%  0.750%
 6.875%  7.326%  0.250%
100% Financing
30 Year 100% Fixed Rate
 Rate  APR  Points
 7.875%  8.509%  0.500%
 8.000%  8.580%  0.000%
HomeBuyer's Edge 100%
 Rate  APR  Points
 8.125%  8.181%  0.250%
 8.250%  8.280%  0.000%
Jumbo Loans
Jumbo 30 Year Fixed Rate
 Rate  APR  Points
 7.250%  7.335%  0.750%
 7.375%  7.410%  0.250%
Jumbo 15 Year Fixed Rate
 Rate  APR  Points
 7.000%  7.136%  0.750%
 7.125%  7.181%  0.250%
SOFR 5 Year ARM Jumbo
 Rate  APR  Points
 7.125%  7.740%  0.250%
 7.250%  7.766%  0.000%
SOFR 7 Year ARM Jumbo
 Rate  APR  Points
 6.875%  7.489%  0.250%
 7.000%  7.530%  0.000%
Home Equity 70% LTV
HELOC 70% LTV
 Rate  APR  Points
 8.000%  8.000%  0.000%
5 Year Fixed Equity-70%
 Rate  APR  Points
 6.375%  6.489%  0.000%
7 Year Fixed Equity-70%
 Rate  APR  Points
 6.625%  6.709%  0.000%
10 Year Fixed Equity-70%
 Rate  APR  Points
 6.875%  6.937%  0.000%
15 Year Fixed Rate Equity Loan-70%
 Rate  APR  Points
 7.250%  7.294%  0.000%
20 Year Fixed Rate Equity Loan-70%
 Rate  APR  Points
 7.500%  7.536%  0.000%
Home Equity 80% LTV
Home Equity Line of Credit
 Rate  APR  Points
 8.250%  8.250%  0.000%
5 Year Fixed Rate Equity Loan-80%
 Rate  APR  Points
 6.625%  6.740%  0.000%
7 Year Fixed Rate Equity Loan-80%
 Rate  APR  Points
 6.875%  6.959%  0.000%
10 Year Fixed Rate Equity Loan-80%
 Rate  APR  Points
 7.125%  7.187%  0.000%
15 Year Fixed Rate Equity Loan-80%
 Rate  APR  Points
 7.500%  7.545%  0.000%
20 Year Fixed Rate Equity Loan-80%
 Rate  APR  Points
 7.750%  7.786%  0.000%
Home Equity 90% LTV
HELOC 90% LTV
 Rate  APR  Points
 8.750%  8.750%  0.000%
5 Year Fixed Rate Equity Loan-90%
 Rate  APR  Points
 7.625%  7.741%  0.000%
7 Year Fixed Rate Equity Loan-90%
 Rate  APR  Points
 7.875%  7.961%  0.000%
10 Year Fixed Rate Equity Loan-90%
 Rate  APR  Points
 8.125%  8.188%  0.000%
15 Year Fixed Rate Equity Loan-90%
 Rate  APR  Points
 8.500%  8.546%  0.000%
20 Year Fixed Rate Equity Loan-90%
 Rate  APR  Points
 8.750%  8.788%  0.000%
Home Equity 100% LTV
HELOC 100% LTV
 Rate  APR  Points
 10.250%  10.250%  0.000%
5 Year Fixed Rate Equity-100%
 Rate  APR  Points
 7.875%  7.991%  0.000%
7 Year Fixed Rate Equity-100%
 Rate  APR  Points
 8.250%  8.336%  0.000%
10 Year Fixed Rate Equity-100%
 Rate  APR  Points
 8.625%  8.689%  0.000%
15 Year Fixed Rate Equity-100%
 Rate  APR  Points
 9.000%  9.047%  0.000%
20 Year Fixed Rate Equity-100%
 Rate  APR  Points
 9.500%  9.539%  0.000%

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