Helping investors, first-time homebuyers, and self-employed borrowers in Florida and Georgia buy homes with confidence, without the stress.


Hi, I'm Danny Martinez, a mortgage loan officer based in Coral Gables, FL, helping clients navigate the home financing process with clarity and confidence for 15 years and over 1000 families helped.


I specialize in working with investors, first-time homebuyers, and self-employed borrowers across South Florida, West Coast of Florida, Central Florida, North Florida, and Georgia offering tailored loan solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Looking into programs like Conventional, FHA, Jumbo, and Non-QM  
I'll walk you through your options and help you choose the right strategy—not just the easiest one.


What sets me apart:  
- I like to create a customer for life with all my borrowers  
- My attitude and how I go the extra mile for my clients  
- Fast responses, even on weekends through Teams meetings or chats


Do you need 20% down to buy a home?  
No—many buyers qualify with as little as 3–5% down depending on the loan program.  
What credit score do you need?  
It varies, but there are options available even if your credit isn't perfect.  
How much home can you afford?  
That depends on your income, debt, and goals—I'll help you break it down clearly.


I've helped clients throughout Florida and Georgia secure financing for homes ranging from all prices and property types and I'm proud to be a trusted resource for both buyers and local real estate agents. I was in the President's Cabinet for 2025 for Guaranteed Rate Affinity.


Check out my client reviews below to see what it's like to work together.


When I'm not helping clients, you'll find me involved with my community, creating events with agents, such as bowling and pickle ball events.


I believe this business is about relationships—and being someone people can rely on long after closing.  
If you're thinking about buying, refinancing, or just want to explore your options, let's connect.

VP of Mortgage Lending

Danny Martinez serves as VP of Mortgage Lending at Guaranteed Rate Affinity (NMLS #772895). With a deep commitment to financial empowerment, Danny Martinez specializes in helping families navigate complex market conditions to achieve the dream of homeownership.
Throughout 2025, he has distinguished himself by developing creative strategies to help borrowers overcome the "affordability hurdle," turning the dream of a new home into a reality despite a shifting economic landscape. He prides himself on being a transparent partner and a steady hand for his clients.
Beyond the office, Danny Martinez is a dedicated husband and a proud father of three. He spends most of his weekends on the sidelines of baseball fields or tennis courts, cheering on his children and enjoying the active lifestyle of his local community.

Danny Martinez at Guaranteed Rate Affinity (NMLS #772895)

Guaranteed Rate Affinity

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