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.
How to Buy a Small Rental Property with an FHA Loan
May 21, 2026
Owner-occupants can use an FHA loan to purchase a 2–4 unit property using rental income to help qualify. Here's how it works and what lenders require.
How Adjustable-Rate Loans Work and When They Make Sense
May 19, 2026
Learn how adjustable-rate mortgages work, including fixed periods, rate caps, and adjustment schedules. Find out if an ARM could save you money.
FHA Property Requirements: What a Home Must Have to Qualify for FHA Financing
May 14, 2026
FHA loans require homes to meet minimum standards for safety, security, and structural soundness. Learn what can cause a home to fail to get FHA approval.
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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.
