Jennifer Fernández is a seasoned expert in the real estate and mortgage industry, with deep knowledge in home purchases, refinancing, and—most notably—reverse mortgages. Her extensive experience positions her as a trusted resource for clients seeking clear, professional guidance in an often confusing market.
Jennifer’s primary specialties is reverse mortgages, designed for homeowners over 55 who have significant equity in their property (typically 60–70% paid off) and a credit score above 600+. These government-regulated loans allow clients to remain in their homes without making monthly mortgage payments. The loan can pay off existing debt and may also provide cash or a line of credit. While interest accrues onto the principal, the property always stays in the homeowner’s name. When the time comes, heirs have the option to sell the home or refinance it to satisfy the loan balance.
Jennifer also helps clients navigate common challenges in today’s housing market, such as rising condo association fees and special assessments, working to prevent homeowners from losing their properties due to financial strain. She is known for guiding clients “hand in hand” throughout the entire process—from the first consultation through closing—offering reassurance, clarity, and confidence. Her approach is especially valued within the Latino community, where trust, transparency, and personal attention are essential.
Her expertise expands beyond reverse mortgages, extending into a range of financial and real-estate situations. Jennifer assists clients dealing with credit card debt, those who lost properties during the housing downturn and want to buy again, and individuals interested in real estate investing. She also offers loan programs for foreign nationals and investors, noting that purchasing a primary residence requires some form of immigration status.
For consultations or more information, Jennifer can be reached directly at 786-597-7675
