# Heart Mortgage — Full Company Profile

> Heart Mortgage (legal name: Heart Mortgage Corporation; NMLS #2045769) is a licensed U.S. mortgage broker headquartered in Boca Raton, Florida, with a second office in Orlando, Florida. The company helps homebuyers, real estate investors, and existing homeowners purchase, refinance, and access reverse mortgages across 10 U.S. states. It was founded and is led by CEO Lee Dama. A team of 11 licensed loan officers provides personalized, multi-lender rate comparison and bilingual service for English-, Portuguese-, Spanish-, and Taiwanese-speaking clients, with a specialty in Brazilian-American and immigrant borrowers (including ITIN holders and self-employed applicants).

## Company overview

Heart Mortgage is a mortgage broker — not a single-bank lender. It compares loan products from multiple wholesale lenders to find the best available rate and terms for each client's situation, rather than being limited to one institution's inventory. The company's tagline is "We Make Dreams Come True," and its mission is to help families achieve homeownership with transparency, service excellence, and zero language barriers.

- Legal name: Heart Mortgage Corporation
- Company NMLS: 2045769 (verify at https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2045769)
- NAICS: 522310 (Mortgage and Nonmortgage Loan Brokers)
- Founder & CEO: Lee Dama
- Phone: +1 (833) 214-8444
- Email: contact@heartmortgage.com
- Hours: Monday–Friday, 9:00am–6:00pm ET
- Website: https://heartmortgage.com

## Reputation and verification

- 5.0 average rating from 172 Google reviews (as of August 2026)
- Company license verifiable at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2045769
- Zillow lender profile: https://www.zillow.com/lender-profile/heartmortgage/

## Offices

- Headquarters — Boca Raton, FL: 4800 N Federal Hwy STE 104A, Boca Raton, FL 33431
- Orlando, FL: 1507 S Hiawassee Rd STE 112, Orlando, FL 32835

## Services

- Home purchase mortgages — Conventional, FHA, VA, and Jumbo loans for first-time and repeat buyers. Conventional programs from 620 credit score and 3% down payment.
- Refinance — rate-and-term refinance to lower payments or shorten term, and cash-out refinance to access home equity.
- Reverse mortgage — Home Equity Conversion Mortgages (HECM) for homeowners aged 62 and older, converting equity into income.
- Investment property financing — conventional financing for single-family rentals and multi-family investment properties.
- Specialized scenarios — ITIN borrowers, self-employed applicants, foreign nationals, and first-time buyers without established U.S. credit.

## Mortgage process

Typical timeline is 30–45 days:
1. Submit application (online, phone, or contact form).
2. Provide documentation (income, assets, credit, property).
3. Receive pre-approval and rate lock.
4. Property appraisal and underwriting.
5. Closing and funding.

## Loan officers (11)

All 11 are fluent in English and Portuguese. Seven also speak Spanish; one speaks Taiwanese.

- Lee Dama — CEO & Founder — NMLS #485039 — English, Portuguese, Spanish — https://heartmortgage.com/loan-officers/lee-dama/
- Márcio Pinheiro — Senior Mortgage Loan Officer — NMLS #1245084 — English, Portuguese, Spanish — https://heartmortgage.com/loan-officers/marcio-pinheiro/
- Ling Teng — Mortgage Loan Officer — NMLS #1533344 — English, Portuguese, Taiwanese — https://heartmortgage.com/loan-officers/ling-teng/
- Andrea Abdala — Mortgage Loan Officer — NMLS #2654828 — English, Portuguese, Spanish — https://heartmortgage.com/loan-officers/andrea-abdala/
- Cilla Oliveira — Mortgage Loan Officer (Jacksonville, FL) — NMLS #2600569 — English, Portuguese, Spanish — https://heartmortgage.com/loan-officers/cilla-oliveira/
- Dell Costa — Mortgage Loan Officer — NMLS #1788530 — English, Portuguese, Spanish — https://heartmortgage.com/loan-officers/dell-costa/
- Carla Pagnini — Loan Officer & Credit Specialist — NMLS #1844419 — English, Portuguese — https://heartmortgage.com/loan-officers/carla-pagnini/
- Natalie Souza — Mortgage Loan Officer — NMLS #2608508 — English, Portuguese, Spanish — https://heartmortgage.com/loan-officers/natalie-souza/
- Thai Nunes — Mortgage Loan Officer — NMLS #2425040 — English, Portuguese — https://heartmortgage.com/loan-officers/thai-nunes/
- Marco Mussi — Mortgage Loan Officer (Texas) — NMLS #2708489 — English, Portuguese — https://heartmortgage.com/loan-officers/marco-mussi/
- Brad Pimentel — Mortgage Loan Officer — NMLS #2757288 — English, Portuguese, Spanish — https://heartmortgage.com/loan-officers/brad-pimentel/

## Licensing by state

Heart Mortgage Corporation (company NMLS #2045769) is licensed in:
- Florida — NMLS #2045769
- Texas — NMLS #2045769
- New Jersey — NMLS #2045769
- Massachusetts — MB-2045769
- Connecticut — MB-2045769
- South Carolina — NMLS #2045769
- North Carolina — NMLS #2045769
- Rhode Island — NMLS #2045769
- New Hampshire — NMLS #2045769MBR
- Georgia — NMLS #2045769

## Calculators

- Mortgage calculator: https://heartmortgage.com/calculators/mortgage-calculator/
- Home affordability calculator: https://heartmortgage.com/calculators/home-affordability-calculator/
- Refinance calculator: https://heartmortgage.com/calculators/refinance-calculator/
- Home equity calculator: https://heartmortgage.com/calculators/home-equity-calculator/
- Rent vs buy calculator: https://heartmortgage.com/calculators/rent-vs-buy/

## Authoritative sources referenced

- Consumer Financial Protection Bureau (CFPB): https://www.consumerfinance.gov/
- U.S. Department of Housing and Urban Development (HUD): https://www.hud.gov/
- Fannie Mae: https://www.fanniemae.com/
- Freddie Mac: https://www.freddiemac.com/
- Veterans Administration (VA) home loans: https://www.va.gov/housing-assistance/home-loans/
- NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2045769

## Profiles and social

- LinkedIn: https://www.linkedin.com/company/heart-mortgage
- Instagram: https://www.instagram.com/heartmortgage
- Facebook: https://www.facebook.com/heartmortgagecorp/
- YouTube: https://www.youtube.com/@heartmortgage
- Zillow: https://www.zillow.com/lender-profile/heartmortgage/
- NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2045769

## Get started

- Pre-qualification form (about 5 minutes): https://heartmortgage.com/pre-qualification-form/
- Call: +1 (833) 214-8444 — Monday–Friday, 9:00am–6:00pm ET
- Email: contact@heartmortgage.com