Ricarda Medina
Mortgage Loan Originator
NMLS #2553417
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.
🎉 Happy New Year 2026! 🎉
Jan 01, 2026
Wishing you a happy New Year from our mortgage team. Ready to make your homeownership goals a reality in 2026? We are here to help.
FHA Compensating Factors: Strengthening Your Loan Application
Dec 30, 2025
Learn how FHA compensating factors can help you qualify for a home loan despite credit or income challenges. Understand what factors matter most.
Is a 15-Year Mortgage a Good Choice?
Dec 26, 2025
15-Year Mortgages offer a lower interest rates than 30-Year Mortgages and they help you build equity faster.
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.
