Roberto L. Cardenas

My Info
Modern Mortgage Advisor

NMLS# 964779
Office: (941) 726-0837

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About Roberto

No matter how you slice it, the purchase or refinancing of a home is a big deal. The truth is that not all Licensed Mortgage Consultants (and the lenders they represent) are the same. Just like in every industry, there are those that really care about the people they are working for as I do; and then there are those to avoid because you are just a number.

If you are buying or refinancing a home, you want to have a Licensed Mortgage Consultant that will take the time to listen and answer your questions. You need someone you can trust to provide you with clearly defined options and help you make a loan decision that is right for you. You deserve someone that will guide you through the entire process and be there for you before, during, and after your loan.

If you are selling your home to someone that needs financing, you want your buyer to have a Licensed Mortgage Consultant that keeps you informed every step of the way. You want to be confident that your buyer has the ability get financing and that their loan will close on time.

If you are a real estate agent, a builder, a title agent, or one of the many other professionals involved in the sale of a home, you only want to work with a Licensed Mortgage Consultant that has your clients’ best interest every step of the way. When the buyer’s Licensed Mortgage Consultant maintains constant communication with all parties involved, follows through every time, and always closes the loan on‐time, everyone wins.

Roberto has been in the mortgage industry for over 5 years. He has recently become part of the Hamilton Group Funding Family.  Roberto works hard and enjoys the fast pace mortgage markets he thrives on making a loan work.  He is not your simple cookie cutter order taker. Roberto will listen to you and see what your trying to accomplish. He will guide and recommend loan options that will fit your situation, whether you’re buying your first home, second vacation home, or simply refinancing to lower your overall monthly expenses. Roberto’s goal is to get loans approved in a fast-efficient manner and make sure his loan program meets all your family’s needs.

 Roberto has exceptional follow-up with all his clients and keeps them in the loop. He picks up the phone when others clock out at 5pm, he is available 7 days a week. From the initial application down to the closing table he is there to make sure your loan is accurate and closes on time.

Throughout Roberto’s experience he has helped first time buyers, veterans, credit challenged, and investors purchase multi- properties. Roberto has quick turn -around times with pre-qual letters, pre-approvals and loan commitments for the purchases. He understands the urgency that realtors, builders deal with day to day. He has experience in Conventional, FHA, VA, USDA along with MCC, Florida bond, Chenoa and many of the FTB loan programs. He also has access to government low income loan programs. He thrives on staying up to date with new loan programs and industry news.  He is personable, professional and transparent. Roberto is the mortgage banker that mortgage bankers call on to do their home loans.

What to expect from Roberto

  • Transparency
  • 7 day week accessibility
  • Status update on loan daily
  • Fast approvals
  • Closing in a Timely manner (I work as fast as you send me what I need)

When Roberto is neither at his desk nor on his phone closing loans, he loves to spend time with his family and close friends. Roberto enjoys the wonderful Florida beaches; jet skiing, Bar- BQing, and just enjoying life’s simple pleasures.  He is very active enjoys to go paintballing, running, cycling, golfing, shooting range and anything outdoors. He also enjoys watching his favorite PGA events, NBA, NFL & MLB Teams go at it.


Please call or email me anytime. I look forward to working with you.

Branch Location:

999 Vanderbilt Beach Road, Suite 101

Naples, FL 34108

Phone: (239) 325-5125