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Finance Your Dream Home in South Florida Imagine buying your dream home. Connect with a lender to help you make it happen.

Sponsoring Lender: Universe Financial Corp.

Our team of local financing experts are ready to guide you through the home buying process. We are committed to fast, professional, courteous, and personal service to help you understand and feel at ease throughout the home buying process. Our trained and certified loan originators specialize in financing homes in the South Florida area real estate market. We are prepared to find the right loan program with competitive rates and low down payments for you.

Universe Financial is the Best Choice for You!

Request for Pre-Approval

  • FREE Buyer’s Appraisal (Up to $600 Value)
  • No Application Fee
  • Credit Enhancement Programs
  • Online Application (effective, highly informative, and most importantly, convenient.)
  • FHA, Conventional, VA, Jumbo, and Refinance Options
  • 1% Down Payment Program
  • Loan Officer Speaking Spanish, Portuguese, Russian, and more!
  • Niche Programs like 90% LTV Non-Warrantable Condos, 95% LTV Jumbo Loans, Bank Statement Loan Programs, Foreign Nationals, 1 day out of Bankruptcy, Construction and Renovation Loans


We know the mortgage loan application process inside and out – which means we know what causes applicants difficulties as well as the remedies needed to eliminate them! Together with the assistance of an experienced loan officer guiding you through the often overwhelming process of choosing the exact loan to meet your specific needs, is easier than ever.

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Have Manuel "Manny" Llera Contact Me About

Please do not submit any confidential information. This will be shared with both Universe Financial Corp. and One Stop Realty.

About You


Sponsoring Lender


Manuel "Manny" Llera

Loan Officer
Universe Financial Corp.
2530 SW 87th Ave #F
Miami, FL 33165
Visit my website
Apply for a loan
Direct: 305-972-4204

Let me know how I can assist you with your South Florida mortgage needs. I am here to help!