Who may qualify
Veterans, active-duty service members, certain National Guard and Reserve members, and eligible surviving spouses.
Florida Mortgage Loan Officer • VA Loan Specialist
More Than a Mortgage. A Clearer Path Home.
I'm Sebastian Luna. I help Florida homebuyers understand their mortgage options and find financing that actually fits what they may qualify for.
Personal guidance. Clear answers. No-pressure conversations.
- Licensed in Florida
- Based in Central Florida
- VA • FHA • Conventional • First-Time Buyer
Sebastian Luna
NMLS #2807467
Who you're working with
- Loan Officer
- Sebastian Luna · NMLS #2807467
- Brokerage
- Way Forward Lending, powered by Barrett Financial Group · NMLS #181106
- Areas Served
- All of Florida, based in Central Florida
- Programs
- VA, FHA, Conventional, First-Time Buyer, Down Payment Assistance, Refinance
About Sebastian
A real person on the other end of the phone.
I got into mortgage lending because buying a home is one of the biggest financial decisions most people ever make and far too many people go into it without anyone explaining what's actually happening.
My job is to change that. We start with a conversation about where you are and where you'd like to be. I walk you through your numbers, your options, and the trade-offs in plain English (or Spanish), then help you decide what makes sense for you.
You'll always know what's happening with your file, what's next, and who to call. No runaround, no jargon, no pressure.
Education first
You'll understand every number before you sign anything.
Responsive
Calls and texts get answered (even on weekends).
Bilingual
Full service in English and Spanish.
Featured Specialty
VA Loans — using the benefit you earned.
For veterans, active-duty service members, and eligible surviving spouses. VA financing is one of the strongest loan programs available, and it's worth understanding before you assume anything about what you qualify for.
How entitlement works
Your entitlement is what the VA guarantees to the lender. I'll pull your COE and explain what yours allows — including if you've used it before.
Down payment
Many eligible borrowers can finance without a down payment, subject to entitlement and qualifying.
Mortgage insurance
VA loans don't carry monthly mortgage insurance. There is typically a one-time funding fee, which some borrowers are exempt from.
Closing costs
There are limits on what a VA borrower can pay, and seller or lender credits are often part of the strategy.
Residual income
The VA looks at what's left over each month, not just your ratios — which is why some buyers qualify here when they don't elsewhere.
Refinance options
IRRRL streamline and cash-out options exist for homeowners already in a VA loan.
Home Loan Options
Find the program that fits your situation.
Every borrower is different. Here's a starting point — the right answer comes out of a conversation.
VA Loans
For eligible veterans, active-duty service members, and qualifying spouses. Competitive terms and no monthly mortgage insurance.
See If I QualifyFHA Loans
Flexible financing that may work well for first-time buyers or those with a lower down payment or shorter credit history.
See If I QualifyConventional Loans
Traditional financing for qualified borrowers, with a range of down payment and term structures.
See If I QualifyFirst-Time Homebuyer
Programs and strategies built for buyers entering the market for the first time.
See If I QualifyDown Payment Assistance
Assistance programs may be available in Florida. Let's check whether you could qualify.
See If I QualifyRefinancing
For homeowners looking to change their payment, term, structure, or access equity.
See If I QualifyFirst-Time Homebuyers
Never done this before? That's the whole point of me.
If any of these sound like you, you're exactly who I built this process for:
- "I don't know where to start."
- "I don't know how much I can afford."
- "I don't have a large down payment."
- "I'm worried about my credit."
- "I don't understand the mortgage process."
- "I'm not sure if I'm ready."
- 01
Let's Talk
We discuss your goals, budget, and overall situation. No commitment.
- 02
Review Your Options
We identify the loan programs and financing strategies that fit.
- 03
Get Pre-Approved
You get a realistic purchase range you can shop with confidence.
- 04
Find Your Home
You work with a Realtor to start the search — I can introduce you to one.
- 05
Get to Closing
I guide you through underwriting and closing until you have the keys.
Current Homeowners
Already own? Let's look at what you have.
Refinancing isn't automatically the right move — it depends on your rate, timeline, equity, and goals. What I can do is show you the actual math so you can decide.
- Lowering your monthly payment
- Shortening or extending your term
- Accessing home equity
- Consolidating higher-interest debt
- Removing mortgage insurance
- Understanding your current loan
For Realtors
A Mortgage Partner Your Clients Can Count On
You need a lender who picks up the phone, sets expectations honestly, and keeps your transaction moving to the closing table.
Responsive communication
You and your client hear from me — proactively, not just when something breaks.
Strong pre-approvals
Documented, reviewed pre-approvals your listing agents can trust.
Clear buyer explanations
I translate the loan for your client so you don't have to.
VA expertise
Confident handling of VA files, appraisals, and entitlement questions.
Problem-solving
Credit, structure, or condition issues get worked, not abandoned.
Co-marketing & education
Happy to host buyer classes or VA trainings for your team.
Education & Resources
Understand it before you sign it.
Topics I cover with clients every week. Ask me about any of them.
VA Loan Education
Entitlement, funding fees, COEs, and how VA offers actually compete.
Ask Me About ThisFirst-Time Buyer Basics
Down payments, closing costs, and what pre-approval really means.
Ask Me About ThisMortgage Tips
Small moves that make a real difference before you apply.
Ask Me About ThisDown Payment Assistance
What's available in Florida and who tends to qualify.
Ask Me About ThisRefinancing
When it can make sense — and when waiting is the smarter play.
Ask Me About ThisCredit & Readiness
How credit is read on a mortgage file and what moves the needle.
Ask Me About ThisRealtor Resources
Pre-approval standards, timelines, and buyer-education sessions.
Ask Me About ThisTestimonials
In their words
Client reviews will be published here.
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Ready to See What You May Qualify For?
Starting a conversation doesn't commit you to a mortgage, a lender, or a timeline. Send a few details and I'll get back to you personally.
Contact
Easiest ways to reach me
Call or text
(915) 783-7101
sebastian@barrettfinancial.com
Service area
Statewide Florida · based in Central Florida
@sebastian.homeloans
Schedule a call
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Start your application
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You Don't Have to Figure Out Your Mortgage Alone.
Whether you're buying your first home, using your VA benefits, moving into your next home, or exploring a refinance, let's talk through your options.