About · Reinier Cancio, MBA

Bilingual Miami mortgage loan officer — built around clarity, speed, and straight answers.

I'm Reinier Cancio, a licensed Mortgage Loan Originator (NMLS #1615071) at Bold Mortgage in Miami. I help South Florida buyers, homeowners, and investors structure financing that actually fits — across FHA, VA, jumbo, conventional, refinance, and non-QM programs, in English or Spanish.

Start Your Application Call (305) 492-2404
  • NMLS #1615071
  • Licensed in Florida
  • MBA
  • English / Español

The short version

Who I am, in one paragraph

Reinier Cancio is a Miami-based bilingual mortgage loan officer at Bold Mortgage (NMLS #386834), licensed in the State of Florida under NMLS #1615071. He holds a Master of Business Administration (MBA) and works with first-time buyers, move-up families, jumbo and luxury borrowers, self-employed clients, real estate investors, and foreign nationals across Miami-Dade, Broward, and Palm Beach counties — providing complete service in English and Spanish from initial consultation through closing.

Background

The long version

I built my mortgage practice around a simple idea: borrowers in South Florida deserve a lender who treats their loan like it's their own. Most people only buy a few homes in their lifetime — and the cost of getting it wrong (the wrong program, the wrong rate, a closing that falls apart) is enormous. That's the gap I fill.

I work at Bold Mortgage in Miami — a brokerage with access to a wide lender network, which means I can match you to the program that genuinely fits, not just the one program a single bank happens to sell. Whether you're a first-time buyer in Hialeah using FHA, an investor scaling a DSCR portfolio in Doral, a luxury buyer financing a Coral Gables estate with a jumbo loan, or a self-employed business owner who needs a bank-statement program — I structure the deal around your actual situation.

What sets me apart in Miami:

  • Bilingual, end-to-end. Full service in English and Spanish — documents, calls, explanations, and closing in whichever language you prefer.
  • MBA-trained underwriting eye. I model your scenario the way the lender will. If a program won't fly, I'll tell you before you waste two weeks on it.
  • Deep program range. FHA, VA, conventional, jumbo, USDA, HELOC, non-QM bank-statement, DSCR, foreign national. I don't shoehorn — I match.
  • Straight answers. If a loan isn't right for you, I say so. If a faster path exists, I take it. If something needs to change, you hear it from me first.

Credentials & verification

Licensing and professional background

NMLS Licensed

NMLS #1615071. Licensed Mortgage Loan Originator in the State of Florida. Verify status anytime at NMLS Consumer Access.

Master of Business Administration

MBA-credentialed. Brings financial-modeling rigor to every borrower scenario — pre-qualification math, debt-to-income structuring, and refinance break-even analysis.

Bold Mortgage

Originating loans through Bold Mortgage (NMLS #386834), a Miami-based mortgage broker with access to a wide network of wholesale lenders. Equal Housing Lender.

Florida licensing

Licensed in Florida. Serving Miami-Dade, Broward, and Palm Beach counties — plus surrounding South Florida markets.

Bilingual practice

Full English and Spanish service. Critical for Miami's Hispanic homebuyer base — including Cuban, Venezuelan, Colombian, Argentine, and broader Latin American communities.

Consumer protection

Equal Housing Lender. All disclosures provided in writing. No surprise fees, no rate-bait. Compliance-first practice.

How I work

The process — what to expect

Step 1 · Consultation (15 min)

We talk through your goals — purchase or refi, timeline, target price range, credit picture, income structure. I tell you upfront which programs likely fit and what the realistic numbers look like.

Step 2 · Pre-approval (24–48 hr)

You submit income, asset, and credit documents through Bold Mortgage's secure portal. I review, package, and submit to underwriting. Pre-approval letter typically issued within two business days.

Step 3 · Property & rate lock

Once you're under contract, I lock the rate, order the appraisal, and coordinate with your realtor and title company. Status updates every step — you're never wondering where the loan stands.

Step 4 · Underwriting & conditions

I work through underwriting conditions on your behalf — chasing documents, structuring explanations, and pre-empting issues before they delay closing. The goal is zero surprises at the closing table.

Step 5 · Clear-to-close & closing

Final disclosures issued at least three business days before closing (per TRID). I review every figure with you. Closing day, you sign and get keys — no more questions, just done.

Step 6 · After closing

Post-closing follow-up at 30, 90, and 365 days. Refinance opportunities, rate-watch alerts, and referrals to trusted agents and contractors when you need them. You're a client for life, not a transaction.

Areas served

Miami-Dade, Broward, and Palm Beach

Licensed in Florida, working primarily across South Florida. Cities frequently financed include:

Miami-Dade

Miami, Hialeah, Coral Gables, Doral, Miami Beach, Aventura, Kendall, Palmetto Bay, Pinecrest, Cutler Bay, Homestead, Brickell, Coconut Grove, Wynwood, Edgewater, Hialeah Gardens, Miami Lakes, Sunny Isles Beach, Bay Harbor Islands, Surfside, Golden Beach, Williams Island, Fontainebleau, North Miami Beach.

Broward

Fort Lauderdale, Pembroke Pines, Hollywood, Weston, Coral Springs, Plantation, Sunrise, Davie, Miramar, Pompano Beach, Deerfield Beach.

Palm Beach

West Palm Beach, Boca Raton, Delray Beach, Boynton Beach, Wellington, Jupiter, Palm Beach Gardens.

Frequently asked

Quick answers about working with me

Are you bilingual?

Yes. Sí. Full service in English and Spanish — calls, documents, explanations, and closing in whichever language you prefer. Servicio completo en español, desde la consulta inicial hasta el cierre.

What's your NMLS number?

NMLS #1615071. Licensed in Florida. You can verify license status at the NMLS Consumer Access database.

What company do you work for?

Bold Mortgage (NMLS #386834), a Miami-based mortgage broker. Working through a broker (vs. a single bank) means I have access to multiple wholesale lenders, so I can match you to the program with the best rate and terms for your scenario.

How fast can I get pre-approved?

Most pre-approvals are issued within 24–48 hours of receiving your income, asset, and credit documentation. In urgent purchase situations, faster turnarounds are sometimes possible.

What loan programs do you handle?

FHA, VA, conventional, jumbo, USDA, HELOC, refinancing (rate-and-term and cash-out), non-QM bank-statement loans, DSCR investment loans, and foreign national loans for non-U.S. buyers.

Where do you work from?

Bold Mortgage's office at 4960 SW 72nd Ave Suite 400, Miami, FL 33155. I serve clients across Miami-Dade, Broward, and Palm Beach counties remotely and in person.

Do you charge for a consultation?

No. Initial consultations are free, with no obligation. There's no hard credit pull at the conversation stage — only when you're ready to move forward with a formal pre-approval.

Get in touch

Ready when you are.

Pick whichever feels easiest — call, text, WhatsApp, or email. I respond fast.

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