# Heart Mortgage

> Heart Mortgage is a licensed U.S. mortgage broker (NMLS #2045769) headquartered in Boca Raton, FL, with a second office in Orlando, FL. The company helps homebuyers, investors, and homeowners purchase, refinance, and access reverse mortgages across 10 U.S. states. Founded and led by CEO Lee Dama, its team of 11 licensed loan officers specializes in personalized multi-lender rate comparison and bilingual service for English-, Portuguese-, Spanish-, and Taiwanese-speaking clients, with a focus on Brazilian-American and immigrant borrowers.

## About

- [About Heart Mortgage](https://heartmortgage.com/about/): company story, mission, founder, and the 11-officer team
- [Mortgage process](https://heartmortgage.com/mortgage-process/): step-by-step from application to closing (typically 30–45 days)
- [Contact us](https://heartmortgage.com/contact-us/): phone, email, and office locations
- [Legal & licensing](https://heartmortgage.com/legal/): NMLS, state licenses, and disclosures

## Reputation

- 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/

## Locations

- Boca Raton, FL (headquarters): 4800 N Federal Hwy STE 104A, Boca Raton, FL 33431
- Orlando, FL: 1507 S Hiawassee Rd STE 112, Orlando, FL 32835
- Licensed in: FL, TX, NJ, MA, CT, SC, NC, RI, NH, GA

## Loan officers

All 11 loan officers are fluent in English and Portuguese; seven of them also speak Spanish, and one speaks Taiwanese.

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

## Programs

- [Conventional loans](https://heartmortgage.com/programs/program-conventional/): fixed and adjustable-rate mortgages for primary residences, second homes, and investment properties
- Home purchase, refinance (rate-and-term and cash-out), reverse mortgage (HECM, age 62+), and investment property financing

## Calculators

- [Mortgage calculator](https://heartmortgage.com/calculators/mortgage-calculator/): estimate monthly payments by loan amount, rate, and term
- [Home affordability calculator](https://heartmortgage.com/calculators/home-affordability-calculator/): how much home you can afford based on income and debts
- [Refinance calculator](https://heartmortgage.com/calculators/refinance-calculator/): compare new vs current mortgage to see break-even
- [Home equity calculator](https://heartmortgage.com/calculators/home-equity-calculator/): estimate accessible equity from your current home value
- [Rent vs buy calculator](https://heartmortgage.com/calculators/rent-vs-buy/): compare long-term cost of renting versus buying

## FAQ

- [Frequently asked questions](https://heartmortgage.com/faq/): detailed answers covering refinancing, points, APR, rate locks, document checklist, credit scoring, appraisals, 80-10-10 financing, PMI, and closing

## Blog

- [Heart Mortgage Blog](https://blog.heartmortgage.com): mortgage education, market updates, and homebuyer guides
- [Real Estate category](https://blog.heartmortgage.com/category/real-estate)
- [Investment category](https://blog.heartmortgage.com/category/investment)

## Contact

- Phone: +1 (833) 214-8444
- Email: contact@heartmortgage.com
- Headquarters: 4800 N Federal Hwy STE 104A, Boca Raton, FL 33431
- Hours: Monday–Friday, 9:00am–6:00pm ET
- NMLS: 2045769
- Apply online: https://heartmortgage.com/pre-qualification-form/
- Instagram: https://instagram.com/heartmortgage
- Facebook: https://www.facebook.com/heartmortgagecorp/
- YouTube: https://www.youtube.com/@heartmortgage
- LinkedIn: https://www.linkedin.com/company/heart-mortgage

## Optional

- [Full company profile (llms-full.txt)](https://heartmortgage.com/llms-full.txt): expanded detail on services, licensing by state, and team credentials
- [Pre-qualification form](https://heartmortgage.com/pre-qualification-form/): start an application in about 5 minutes
- [AI summary endpoint](https://heartmortgage.com/ai/summary.json) · [Services](https://heartmortgage.com/ai/service.json) · [FAQ data](https://heartmortgage.com/ai/faq.json)