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.
What Higher Mortgage Limits Mean for Homebuyers in 2026
Feb 19, 2026
The 2026 loan limit increases expanded borrowing power for conventional, VA, and FHA loans. Learn how these new conforming loan limits impact your home buying strategy.
FHA Refinancing Options: A Practical Guide for Homeowners
Feb 17, 2026
Explore FHA refinance options to lower payments, improve loan terms, or access home equity with flexible qualification requirements.
Can You Purchase Two Houses at the Same Time?
Feb 12, 2026
Yes, you can! Learn how financing works, lender requirements, loan options, and what it takes to qualify for buying multiple homes simultaneously.
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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.