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Karol Romero, Condos, Jumbos, and Down Payment Assistance Loans (Freedom Mortgage) Mortgage and Lending



Karol Romero
Condos, Jumbos, and Down Payment Assistance Loans
location_on Miami, FL — Freedom Mortgage
NMLS #: 354044
Get to Know Karol Romero

Karol Romero, Loan Officer based in Miami-Fort Lauderdale in sunny South Florida is a 23-year seasoned industry veteran and has represented large numbers of buyers in wide arrays of real estate financial transactions ranging from residential, commercial, government loans, foreign national loans, jumbo loans, as well as new construction and condo conversion specialist.

Prior to joining Freedom Mortgage, Karol has worked for National Title and Abstract Company, BankUnited, the Joint Venture between Wells Fargo Home Mortgage and the Builder/Developer/Seller of luxury condos: The Related Group of Florida. She has also worked with Countrywide Home Loans, Global International Lending Group, and Paramount Residential Lending Group.

Karol has built a solid foundation rooted on transparency in all communications and building relationships with mutual referral partners such as real estate professionals, builders/developers, financial planners, current and past customers, community relationships, and educational institutions.

In her role as a Loan Officer, one of Karol’s goal is to help as many minorities within her neighboring communities to go from tenants to homeowners thereby reaching a very important milestone in their lives. She believes that however small, her efforts can be woven into this brilliant tapestry enriched by the multi-cultural beautiful people that live in one of the most amazing cities in the world!

Ms. Romero also gives back to her community by teaching, mentoring, and tutoring students with disabilities in disciplines such as Algebra, Statistics, Biology, Chemistry, and other academically demanding subjects at Miami Dade College, Florida International University, and the Universisty of Miami.

Karol is also an active member of the Florida Division of Blind Services and participates in annual events with non-profit organizations such as Amigos for Kids. Karol and her entire family participate in the annual 5K-Run/Walk Race for the Cure with the Nicklaus Children’s Hospital, as well as contributing her time and baked goods to help with the fund-raising efforts of the Diversity Student Organization created by students with disabilities to help others in need. She is also an Editor and contributor to the award-winning publication Miambiance, the Kendall College Magazine.



"Karol is a loan officer who will keep us informed as our loan application process achieved new milestones such as processing, appraisal, underwriting, up until closing. We feel free to call her even after closing with any additional questions."

-David Palao and Flora Espinal, borrowers.


Dade County Public Schools Educator






2003 & 2004 Wells Fargo Home Mortgage - Top Producer

Top 10% Wells Fargo Survey & Customer Satisfaction Award - Home Mortgage Consultant


Bilingual, English and Spanish

90% Financing for Jumbo loans and lines of credit

High Rise Condo/Condo Conversion 

Non Warrantable Condos/New Construction

Foreign National Loans

Hard Equity Loans

Commercial Loans

96.5% Financing for Government Loans, FHA/VA/USDA

VA Loans with Down Payment Assistance Grant of up 4.5% of the Loan Amount

Asset Depletion Loan Programs for Domestic and Foreign Borrowers

Affinity Company Programs FOP with REDUCED Closing Costs

Down Payment Assistance Loan Programs

Grant Programs (free 3% NHF Sapphire Grant of Loan Amount for Down Payment & Closing Costs)

Conventional loans, Home Ready and Home Possible with 3% Down

Investment Loans and Loans under Shell Corps.

Streamline Refinance and Cash Out Refinance

203-K Limited and Standard Renovation Loans

Seminars and Training for First Time Home Buyers

Training and Lunch and Learn for Real Estate Professionals and Community Organizations


Helping You Accomplish Your Financial Goals When It Comes To Your Important Investment, Your Home!