I finance homes and commercial properties across Florida, for domestic and foreign-national buyers. For realtors, I’m building AI education and workshops that buy back your time, launching 2026.
Talk to me →I’m Medardo A. Cevallos, Vice President at Home Financial Group, a boutique mortgage lender in Florida since 2002. I work with first-time homebuyers, self-employed borrowers, foreign nationals, seasoned investors, and buyers whose files need more than a checkbox approach. Residential and commercial, alternative documentation when the standard path doesn’t fit. Spanish-first when it counts. NMLS #1453486.
I also write and teach on AI for realtors. The point isn’t to replace the human part of a closing. It’s to free more hours for it. Workshop cohort launching 2026.
Outside the office: husband, father of two boys, parishioner of St. Anthony’s. Further out: small-business acquisition and helping good operators hire well. One stage at a time.
I work with first-time homebuyers, move-up buyers, refinancing homeowners, foreign nationals, seasoned investors, and buyers whose files need more than a checkbox approach. Purchase, refinance, cash-out, condo, commercial. Spanish-first when it counts. Same lender from intake to clear-to-close.
A lender who answers the phone, pre-approves the file before contract, and closes on time. Plus AI for realtors who want their hours back. Workshop cohort launching 2026.
Twenty-one to forty-five days, typical. Written down because most of what slows a closing isn’t the loan. It’s the absence of a process.
I underwrite your file the week we meet. Income, assets, credit, the awkward stuff. By the time you write an offer, the hard parts are already judged.
Conventional, FHA, VA, jumbo, bank-statement, whichever fits. One document. You pick.
Same number, same person, until close. Updates without you having to ask.
Every outstanding item, dated, in one shared document. You see what underwriting sees. No “we’re waiting on something” theatre.
We check the timeline before it slips, not after. If something needs a hard conversation, we have it early.
Funded clean. Filed of record. Signed. Done. Same lender at the table that you met on day one.
Six tools I run daily at HFG. The same six I teach realtors in workshops. Ranked by daily fit, not by hype.
| Tool & tag | What it does | |
|---|---|---|
| 01 | Claude or ChatGPTDaily driver. | The foundation. Writing, drafting, brainstorming, talking through a hard email. ChatGPT is where most realtors start. Claude is where I do the deeper writing. Pick one and learn it well. |
| 02 | Gemini AI StudioFor the big-document moments. | Long-context work and quick prototyping. Drop a 200-page disclosure, an inspection report, or a stack of HOA docs and ask for the bullets. Free, and the 2-million-token window is honestly absurd. |
| 03 | Superwhisper3-4x faster than typing. | Voice to text. Speaking is roughly 3-4x faster than typing. Once it’s set up you stop typing emails entirely. |
| 04 | CanvaOne brand, every asset. | Design and brand. Just-listed graphics, social posts, flyers, single-property landing pages. The AI features built into Canva are now good enough that you don’t need a separate design tool. |
| 05 | SubmagicReels-ready in minutes. | Short-form video captions. The platforms reward captioned vertical video. Submagic turns a phone clip into a reels-ready cut in minutes. |
| 06 | PerplexitySourced answers. | Research with sources attached. Neighborhood data, school zones, market trends, anything you’d want to send a client with a link they can click. |
What I’m learning out loud. Mortgage files, AI tools, books, and the occasional rabbit hole.
Discover how mortgage brokers shop dozens of lenders to find the lowest rates and fees, potentially saving you thousands over the life of your loan.
Read the essay →The fastest way is a phone call. The form is for anyone who’d rather email first. Borrowers, realtors, writers, future workshop attendees. I answer within the working day, often within the hour.