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Hector Meneses

Senior Mortgage Loan Officer

NMLS ID #113510

4.95 / 5.0 (284 reviews)

Office Location

850 NW Federal Highway, Stuart, FL 34994

Mobile Phone

(561) 252-8539

Email Address

hector@menesesloans.com

Let's Talk Lending

Have home financing questions? Connect with me directly to review your goals and explore mortgage opportunities.

Schedule a Call

Get Pre-Approved

Receive a custom pre-approval letter to strengthen your buying power and show sellers you're ready to buy.

Start Pre-Approval

Start Loan Application

Ready to lock in your rate? Start a secure, digital loan application and track your milestone progress online.

Apply Online Now

Providing Expert Mortgage Guidance For Over 20 Years

With over two decades of dedicated service in the residential mortgage lending industry, I am proud to assist clients across Florida and Michigan in achieving their homeownership dreams. As a licensed Senior Mortgage Loan Officer and Branch Manager, my goal is to guide you step-by-step through the lending process with complete clarity, honesty, and professional excellence.

I specialize in helping first-time homebuyers navigate the complexities of their first purchase. Whether you are exploring standard conventional loans, FHA loans, VA programs, or high-value jumbo financing, my team and I customize home loan strategies tailored specifically to your financial picture.

Beyond finding the right financial solution, I am passionate about client education. My business is built on transparent and prompt communication, ensuring you never feel left in the dark. I believe that a mortgage should not just be a transaction; it should be a key milestone towards long-term wealth creation.

Outside of the Office: I am an avid follower of college athletics and have spent over twenty years coaching high school and youth wrestling programs. I have been honored to work alongside coaching staff that developed multiple collegiate champions. My wife and I love exploring Florida's beautiful coastlines, and nothing beats the joy of spending weekend time with our grandchildren.

20+ Years Experience
280+ 5-Star Reviews
100% Client Commitment

Mortgage Calculators & Financial Tools

Estimate your payments, check buying limits, and discover interest rate buydown opportunities in real time.

Estimated Monthly Payment

$2,275

Principal and Interest only. Estimates do not include taxes and insurance.

Principal & Interest: $2,275
Lock This Rate
(Car, Credit Cards, Loans)

Your Buying Budget Limit

$485,000

Based on a conservative 36% Debt-to-Income (DTI) ratio and a 6.5% interest rate.

Max Monthly House Payment: $3,000
Est. Loan Amount: $435,000
Check Full Approval

What is a 2-1 Buydown?

A seller-funded subsidy program that reduces your effective interest rate by 2% in the first year, and by 1% in the second year, helping you ease into your mortgage payment.

2-1 Buydown Savings Summary

Year 1 (Rate: 4.5%)

Monthly payment: $2,027

Save $501/mo
Year 2 (Rate: 5.5%)

Monthly payment: $2,271

Save $257/mo
Total 2-Year Savings: $9,096
Request Buydown Info

Meet the Team

Working alongside specialists dedicated to processing your files smoothly and closing on schedule.

Kerri Eaton

Originating Loan Assistant

NMLS #996848

Sarah Jenkins

Senior Underwriter & Coordinator

Processing Specialist

David Vance

Post-Closing Compliance Manager

Audit Specialist

Client Stories & Successes

Hear from home buyers and homeowners who completed their financing with Hector Meneses.

"Hector Meneses and his team were absolutely incredible. As first-time buyers, we had so many questions and fears. Hector walked us through the numbers, found a down payment assistance program we didn't know existed, and closed in under 21 days! Highly recommended."

Michael & Clara S.

Port Saint Lucie, FL | May 2026

"I've worked with Hector on three different refinances and purchases over the years. His knowledge of rate structures and loan products (especially 2-1 buydowns) saved my family thousands. He is always professional, incredibly fast, and honest."

James L.

Stuart, FL | April 2026

"The communication from Kerri and Hector was fantastic. We were relocating from Michigan and buying a home in Florida. Everything was completed digitally, securely, and without any delays. Thank you for a smooth relocation process!"

Deborah R.

Farmington, MI | May 2026

Find the Loan that Works for You

Submit your details and a brief message, and I'll personally contact you within 24 business hours to discuss your financing options.

Thank You, John!

Your mortgage request was successfully received. Hector or a member of the team will be in touch shortly via phone or email.

Keep In Touch

Office Hours

Monday - Friday: 8:00 AM - 5:30 PM
Saturday: By Appointment Only
Sunday: Closed

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