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.
Learn More about VA Adjustable-Rate Mortgages (ARMs)
Apr 16, 2026
VA adjustable-rate mortgages start with lower rates than fixed-rate loans — no down payment or PMI required. See how VA ARMs work and if one is right for you.
The Truth in Lending Act - Key Protections Every Borrower Should Know
Apr 14, 2026
Learn what the Truth in Lending Act (TILA) requires lenders to disclose, which loans it covers, your rights, and what happens when lenders violate its rules.
How Much House Can You Afford on a $70K Salary?
Apr 09, 2026
Learn how much you can afford on a $70,000 salary. Understand lender guidelines, monthly payment estimates, and factors that influence home affordability.
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.