Author and reviewer
Michael Fernandez
Founder and President of Quality Mortgage Solutions (QMS Lending), an independent mortgage broker in Miami, FL. Michael writes and reviews the guides, glossary terms and local pages on this site.
About Michael
Michael Fernandez is a licensed mortgage loan originator, NMLS #1491775. He founded Quality Mortgage Solutions LLC (NMLS #1781090) in 2018 and leads its team of loan officers.
QMS is an independent mortgage broker: it compares loan options from many lenders for each borrower, instead of offering a single bank's products. The company is licensed in Florida, Georgia and Colorado.
Michael works in English and Spanish with home buyers, homeowners, self-employed borrowers, real estate investors and buyers from abroad across Miami-Dade, Broward and Palm Beach.
“I started Quality Mortgage Solutions to give clients the best experience possible and the most competitive terms available. Guiding people to homeownership, and knowing we got them the best deal, is the most rewarding part of this work.”
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How our guides are written and reviewed
- Each page answers the question in its first sentence, then explains the details.
- Every rule, limit and number links to its source: federal and Florida regulators and statutes, Fannie Mae, Freddie Mac, HUD/FHA, VA, USDA, FHFA, county property appraisers and MIAMI REALTORS data.
- Pages show the date they were last updated, and are reviewed again when a rule, loan limit or local figure changes.
- We never publish interest rates or promise approval. The pages are education, not a loan commitment; every loan is subject to credit approval.
Recently updated by Michael
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