Florida Mortgage Experts · PNG Loans

Get Pre-Approved for a Home Loan
Fast & Stress-Free

Work directly with a licensed mortgage expert at PNG Loans. We help Florida buyers and homeowners move forward with clear guidance, fast communication, and loan options built around real life.

25+ Years Experience NMLS #886150 Serving All of Florida English & Spanish
Get Pre-Approved in 60 Seconds Call 813-261-5037
25+Years helping buyers and homeowners
FLLicensed statewide across Florida
EN/ESBilingual support for your clients and family
FastQuick response and same-day follow-up
Direct access to a licensed loan officer
VA · FHA · Conventional · Refinance
Bilingual service in English & Spanish
Florida statewide
lending
Fast updates and clear communication
PNG Loans · Company NMLS #1528554
How it works

Simple. Fast. Done right.

People do not want a complicated mortgage experience. They want clarity, speed, and someone who actually answers the phone. This flow keeps it easy.
01
✦

Apply in minutes

Tell us what you are trying to do — buy, refinance, or pull cash out. We gather the basics and point you in the right direction quickly.

02
✓

Get matched to the right loan

We review your file, structure the best option for your situation, and explain the numbers in plain language so you know exactly where you stand.

03
🏠

Move toward closing with confidence

From pre-approval to closing day, you work with a real mortgage professional who keeps things organized, fast, and low-stress.

Loan options

Loan options designed around you

Not every borrower fits into the same box. These programs help us build the right strategy based on your credit, goals, and timeline.
Featured

VA Loans

Built for veterans and active-duty service members who want strong buying power with flexible financing.

  • Zero down options available
  • Competitive rates
  • Excellent for military families
Low down payment

FHA Loans

Great for first-time buyers or borrowers who need more flexibility with credit and cash to close.

  • First-time buyer friendly
  • Flexible qualification guidelines
  • Strong entry point to homeownership
Competitive terms

Conventional Loans

Often a strong fit for borrowers with solid credit who want flexible terms and low PMI options.

  • Low PMI opportunities
  • Competitive fixed-rate options
  • Purchase or refinance
Use your equity

Refinance

Reduce your payment, restructure debt, or tap home equity for life goals and major expenses.

  • Lower monthly payment potential
  • Cash-out options
  • Debt consolidation opportunities
Our Team

Former bank VPs. Now working for you.

With over 40 years of combined experience at leading banks and mortgage companies, our team knows how to get your loan closed right — with smart guidance, strong communication, and real accountability.
Joshua Parks

Joshua Parks

Co-Owner & Loan Officer

Former Vice President with deep expertise in residential lending, guiding clients from first-time buyers to seasoned investors across all of Florida.

25+ years experience View Profile →

Mark Glass

Co-Owner & Loan Officer

Former Assistant Vice President with a track record of closing complex loans efficiently, always putting clients long-term financial goals first.

20+ years experience Meet the Team →
Why PNG Loans

Why clients choose PNG Loans

The best mortgage experience is not about sounding fancy. It is about being responsive, strategic, and trustworthy when timing matters.
☎

Direct communication

You work with a real loan professional who knows your file and keeps you updated.

⚡

Fast execution

We move quickly and keep momentum so your loan does not stall out unnecessarily.

🧭

Clear guidance

We explain the process and your numbers in plain language, without confusion or pressure.

🌎

Bilingual service

English and Spanish support helps families make confident decisions together.

Testimonials

Real clients. Real results.

See what clients are saying about PNG Loans, and get a feel for the communication, guidance, and follow-through you can expect.
★★★★★

Great experience!!! He helped me with to get a refinance loan on my primary home,and all the time I felt confident about it ,because if I didn't understand something, his Spanish speaking assistant explained to me on the best way possible. Thank you Joshua & Team.

Aglay K. Perez · Google Review
★★★★★

Mi nombre es Yanier ,hace poco compre casa y la persona que me gestiono el prestamo el señor Joshua París, fue muy profesional ,rápido y se los recomiendo al 100%,muy dedicado a su trabajo y el resultado final es el mejor ,muchas gracias.

Aa Aa · Google Review
★★★★★

I had a great experience throughout the home-buying process. Everything was clearly explained, communication was excellent, and I felt supported every step of the way. The process was smooth and stress-free. Highly recommended

Yudmila · Google Review

Ready to see what you qualify for?

Rates and programs can change quickly. Take the first step now and let PNG Loans help you move with confidence.

Get Pre-Approved Now Call 813-261-5037