About Ricarda

Ricarda Medina is an experienced real estate professional with over a decade of experience in South Florida’s dynamic property market.  Based in Miami, she serves as both a licensed Real Estate Broker and Mortgage Loan Originator at Universal Mortgage. 

Originally from the Dominican Republic, Ricarda immigrated to the United States to pursue her entrepreneurial ambitions in real estate. Her journey from newcomer to industry leader is marked by resilience, dedication, and a deep commitment to client success. Fluent in both English and Spanish, Ricarda specializes in residential sales, investment properties, and new developments, with a strong focus on the West Kendall area and broader Miami-Dade County.

Beyond her professional achievements, Ricarda is an active real estate investor and mentor, helping clients and fellow agents navigate the complexities of the market. She is happily married and deeply values family, bringing warmth and empathy to every client interaction.

Ricarda’s unique blend of local expertise, financial acumen, and personal insight makes her a trusted advisor for homebuyers, sellers, and investors alike.

Learn More
Strategies that Investors Use to Buy Real Estate

Strategies that Investors Use to Buy Real Estate

Aug 07, 2026

Discover effective strategies that successful investors use to navigate the market and enhance their financial portfolio growth.

Ready to Buy a Home but worried about a Down Payment?

Ready to Buy a Home but worried about a Down Payment?

Aug 05, 2026

Learn how much down payment you may need, the tradeoffs of putting more down, and how to choose an amount that fits your budget and goals.

Benefits of Choosing a Shorter Loan Term

Benefits of Choosing a Shorter Loan Term

Aug 03, 2026

Discover the advantages of a shorter loan term, including lower rates and quicker debt relief, to enhance your financial freedom.

Contact Ricarda
Have questions or need assistance? Our team is here to help. Fill out the form and we'll get back to you as soon as possible.
1430 South Dixie Highway #309
Coral Gables, FL 33146

Uh Oh!

Something went wrong. Please refresh the page and try again or call us at 786-332-4263


Start Your Loan Application Today

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.

Young Couple Applying for a Mortgage