A broker who answers his own phone
Ronald Cepeda has spent more than sixteen years in mortgage lending, building a practice on a simple idea: every client deserves a broker who treats their file like it's the only one that matters. No call centers, no being passed between departments — just direct, honest guidance from someone who knows the process inside and out. Through Pioneer Mortgage Funding, Ronald is partnered with over 50 lenders — a network that means more loan programs, more competitive pricing, and more paths to approval than any single bank can offer.
A graduate of The Ohio State University with a degree in World Economics and Business, Ronald brings a sharp understanding of markets and finance to every file. Serving clients across Florida, he specializes in the situations other lenders find difficult — self-employed borrowers, complex income, and buyers who don't fit a standard template. His approach blends deep underwriting knowledge with genuine care for the people behind the numbers.
Whether you're buying your first home, refinancing, or financing an investment property, Ronald and his team are with you from the first conversation to the closing table.