# Heart Mortgage

> Heart Mortgage is a licensed U.S. mortgage broker (NMLS #2045769) headquartered in Orlando, FL, helping homebuyers, investors, and homeowners finance, refinance, and access reverse mortgages across Florida, Texas, and other U.S. states. Founded and led by CEO Lee Dama, the team includes Senior Mortgage Loan Officer Márcio Pinheiro and Loan Officer Ling Teng. The company specializes in personalized rate comparison and serves bilingual clients (English, Portuguese, Spanish, Mandarin).

## About

- [About Heart Mortgage](https://heartmortgage.com/): trusted partner in home financing — purchase, refinance, reverse mortgage
- [Legal & licensing](https://heartmortgage.com/legal/): NMLS, state licenses, and disclosures
- [Accessibility statement](https://heartmortgage.com/accessibility-statement/)
- [Privacy policy](https://heartmortgage.com/privacy-policy/)

## Loan officers

- [Lee Dama — CEO & Founder](https://heartmortgage.com/loan-officers/lee-dama/): leads Heart Mortgage strategy and client relationships
- [Márcio Pinheiro — Senior Mortgage Loan Officer](https://heartmortgage.com/loan-officers/marcio-pinheiro/): Portuguese-speaking specialist serving Brazilian-American clients
- [Ling Teng — Mortgage Loan Officer](https://heartmortgage.com/loan-officers/ling-teng/): Mandarin-speaking specialist

## Programs

- [Conventional loans](https://heartmortgage.com/programs/program-conventional/): fixed and adjustable-rate mortgages for primary residences, second homes, and investment properties

## 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/): 12 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
- City: Orlando, FL 32835
- NMLS: 2045769
- Apply online: https://heartmortgage.com/apply
- Instagram: https://instagram.com/heartmortgage
- Facebook: https://www.facebook.com/heartmortgagecorporation
- YouTube: https://www.youtube.com/@heartmortgage