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.
Refinancing an Adjustable-Rate Mortgage into a Fixed-Rate Loan
Jan 20, 2026
Learn when and how to refinance an adjustable-rate mortgage into a fixed-rate loan, including costs, timing, and qualification requirements.
What Is a Wraparound Mortgage? A Detailed Guide for Buyers and Sellers
Jan 15, 2026
Learn how wraparound mortgages work, why buyers and sellers use them, and the risks to consider before choosing this financing option.
A Guide to Buying a Home in Retirement
Jan 13, 2026
Learn how to buy the right home in retirement with tips on budgeting, priorities, financing, and long-term planning.
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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.
