First-Time Homebuyer Programs
Lower down payments and flexible terms built around your first purchase.
More Choices. Better Solutions.
One Trusted Mortgage Team.
As independent brokers, we shop your file across multiple lenders instead of offering a single institution's products — then explain the options in plain language.
Who we are
Independent brokers. We work for you, not the bank.
Your Mortgage Choice, LLC is a licensed mortgage broker based in Orlando, Florida. We arrange — but do not make or fund — loans, which means our job is to match your file with the lender and program that fits it best.
21 Days
Average closing time for purchase transactions*
5 States
Florida, Colorado, North Carolina, South Carolina and Texas
Multiple Lenders
One application, compared across our lender network
*Average closing time for purchase transactions; individual results vary by loan program, lender and borrower circumstances.
Why Your Mortgage Choice
What makes our team different, from your first call to closing.
Direct Communication & Transparency
We explain every step in plain language, with full transparency for all parties.
Impeccable Customer Service
Responsive, attentive and genuinely invested in your outcome.
In-Office Team
No remote loan officers or processors — everyone works together under one roof.
Built to Close Fast
A streamlined process built to move your file forward without unnecessary delays.
Solutions for Complex Scenarios
Self-employed, investor, foreign national and ITIN borrowers all have a path here.
Bilingual Team
We serve clients in English, Spanish, Creole and Portuguese.
Dedicated Partner Support
We work with realtors, builders and investors from first-hand experience.
Personalized Loan Strategy
We take the time to get to know you before recommending a program.
Loan programs
Find the right loan for your situation.
Down Payment Assistance
Grant and second-lien programs that help cover down payment and closing costs.
Conventional Loans
Competitive fixed- and adjustable-rate options for borrowers with strong credit.
FHA Loans
Low down payments and flexible credit requirements, insured by the FHA.
VA Loans
Zero-down financing for eligible veterans, service members and surviving spouses.
USDA Loans
Rural and suburban financing with no down payment for eligible properties.
DSCR Loans
Qualify on the property's rental income instead of personal tax returns.
Bank Statement Loans
12–24 months of bank deposits used as income documentation.
The process
Our simple loan process.
- 01
Start Application
Minutes
- 02
Pre-Approval
1–2 business days
- 03
Loan Processing
5–10 business days
- 04
Underwriting
Varies by lender
- 05
Lock Your Rate
Varies by market
- 06
Closing
Varies by market
Meet the team
The People Behind Your Loan
Richard David
Chief Executive Officer
Richard David is a seasoned entrepreneur and mortgage executive with extensive leadership experience across mortgage, real estate and business development.
As CEO of Your Mortgage Choice, he leads company strategy, operations, licensing, compliance, lender relationships, recruiting and growth initiatives.
His background includes building high-performing sales organizations, scaling mortgage and real estate companies, and creating systems that support long-term production and client service.
Alexander Torres
Chief Operating Officer
Alexander Torres is an experienced mortgage operations leader with more than a decade in lending, training, compliance and team development.
As COO of Your Mortgage Choice, he oversees daily operations, staff development, quality control and compliance across multiple states.
A former U.S. Army Airborne Ranger, Alexander brings discipline, leadership and a strong operational mindset to the company's growth and customer service culture.
Jose "Robert" Benenati
Broker/Owner / VP of Sales
Jose "Robert" Benenati is a real estate and mortgage executive with over 15 years of experience leading sales teams, mentoring professionals and growing successful businesses.
He is the Founder and CEO of 365 Realty, Inc., where he helped build a team of more than 150 agents, and brings strong experience in mortgage lending, business development, recruiting and client-focused service.
Where we lend
Markets where we operate
We only advertise services in states where Your Mortgage Choice, LLC is licensed. Licensing in additional states may be in process.
- Florida
- Colorado
- North Carolina
- South Carolina
- Texas
One Application. Multiple Mortgage Options.
Apply once and we will compare options across our lender network, then walk you through what each one actually means for your payment and your timeline.