Lazaro Munoz
Loan Originator
NMLS #2373739
Lazaro has been in the mortgage and real estate industry for 3 years. He is passionate about helping buyers fulfill their dreams of homeownership. He is happily married with 5 children. He is a Cuban native and migrated to the U.S. when he was 15 years old. Lazaro is also a licensed real estate agent serving all of South Florida. His goal is to become one of the most successful loan originators for Universal Mortgage.
How Do Mortgage Discount Points Work?
Apr 30, 2026
Mortgage points let you pay upfront to reduce your interest rate. Learn how discount points work and whether paying them at closing is right for you.
Multifamily Property Investing: Benefits, Risks, and Financing Explained
Apr 28, 2026
Multifamily properties offer multiple income streams, scalable returns, and long-term equity growth. Learn the benefits, risks, and financing options.
The Secondary Mortgage Market: How It Works and Why It Matters for Homebuyers
Apr 23, 2026
Learn how the secondary mortgage market works, why lenders sell loans, and how Fannie, Freddie, and mortgage-backed securities keep home financing accessible.
Thank You!
Your request has been submitted.
Whether you're buying your first home, refinancing, or upgrading, I’m here to make the mortgage process smooth and stress-free. Let’s take the next step together — fast approvals, personalized service, and expert guidance every step of the way.
