Lency Patricia Portocarrero-Montenegro

Get to know Lency

20+ years turning “can’t” into “closed.” Houston-based, Texas-licensed RMLO powered by Loan Factory’s rate engine for banker-level pricing without red tape. I deliver full-file pre-approvals fast, quote real numbers (rate, payment, cash-to-close), and manage underwriting start to finish. FHA, HELOC, DSCR, new construction, refi, portfolio growth—I build files that fund on time and on budget.

Why choose Lency?