Sell smarter with Felix Mercado.

A real person, on your side.

With over 11 years of dual-industry expertise as a licensed real estate professional, broker associate, and seasoned team leader, I deliver a level of elite mortgage representation that very few loan originators in the country can match. Based out of the Southeast and servicing key major markets across the East Coast and beyond, my career as a Sales Manager and Loan Officer with New American Funding is built on a rare, powerful advantage: I don't just understand how to calculate debt-to-income ratios and underwrite a file; I masterfully reverse-engineer the exact financial and negotiation structures required to get your contract accepted by sellers and smoothly funded by our underwriters. Currently serving clients and real estate partners across Florida, Georgia, and New York, with branch licensing pending for California, Texas, and New Jersey to significantly scale our team's cross-country lending footprint. Your Ultimate Competitive Advantage In today’s fast-moving market, separating the real estate search from the mortgage process causes delays, confusion, and lost offers. I solve that problem completely. By combining my active real estate team leadership background with my role as an elite Mortgage Sales Manager, I hold a master-level understanding of both sides of the settlement statement. This specialized cross-industry knowledge allows me to: • Protect Earnest Money: I pre-screen and structure complex financing profiles with flawless compliance and accuracy from day one. • Win Bidding Wars: I arm buyers and real estate partners with sharp, data-backed mortgage insights—such as optimal seller concessions and strategic interest rate buydowns—to make purchase offers the most attractive on the table. • Eliminate Friction: I streamline the entire loan cycle from application to clear-to-close, eliminating the typical communication breakdowns between realtors, buyers, and lenders. Areas of Core Financial Specialization Whether you are a first-time homebuyer stepping into the market or an agent looking for a hyper-responsive lending partner to scale your business, my team provides a high-touch, end-to-end service standard: 1. Affordable Housing & DPA Mastery: I specialize in matching first-time buyers with advanced down-payment assistance programs (like the NAF 100% 5% DPA program) and structuring layered financing to minimize out-of-pocket costs. 2. VA Loan Advocacy: I provide dedicated, hyper-focused mortgage support ensuring our active-duty service members and veterans maximize their hard-earned VA home loan benefits with zero down payment options. 3. Agent Coaching & Branch Growth: As a NAF Sales Manager and veteran agent coach, I lead a team of high-performing originators. I am dedicated to training real estate partners and LOs on speed-to-lead, transaction execution, and cutting-edge product deployment to capture maximum market share. A Coast-to-Coast Real Estate & Lending Network Moving out of state or looking to invest in a completely different market? I have you covered. I manage extensive, vetted referral networks with premier realtors and brokerages across the entire United States. If you or your clients are relocating or purchasing an out-of-area investment property—whether navigating a high-density market in New York, a suburban build in Georgia, a luxury estate in Florida, or preparing for our upcoming branch expansions into Texas, California, and New Jersey—I personally source, interview, and match the transaction with the absolute top-producing local real estate partners nationwide to guarantee closing success. When you work with me, you aren't just hiring a traditional loan officer. You are partnering with a mortgage expert, a master negotiator, and an industry leader dedicated to protecting wealth and winning deals. Let's get your clients funded today.