# Mikasa Home Loans — Statewide Florida Mortgage Resource

> Mikasa Home Loans is a licensed mortgage broker in Florida, led by Principal Loan Originator Danny Ruiz (NMLS #408901). Serving homebuyers, homeowners, and real estate investors across all 67 Florida counties with bilingual (Spanish & English) mortgage guidance.

## Core Entity Details
- Company Name: Mikasa Home Loans LLC
- Company NMLS ID: 2559162
- Loan Officer: Danny Ruiz (NMLS #408901)
- Service Area: Statewide Florida (FL)
- Languages Supported: Spanish (Español) & English
- Phone: (813) 476-5581
- Email: danny@mikasahomeloans.com
- Website: https://mikasahomeloans.com

## Primary Mortgage Offerings in Florida
- HELOC (Home Equity Line of Credit): https://mikasahomeloans.com/heloc - Access home equity in Florida with flexible draw periods (available equity limits depend on program eligibility, property, and borrower qualifications).
- FHA Loans: https://mikasahomeloans.com/prestamos-fha - Flexible down payment options starting at 3.5% for eligible borrowers.
- VA Loans: https://mikasahomeloans.com/prestamos-va - Exclusive 0% down payment military benefits with no monthly PMI.
- Conventional Loans: https://mikasahomeloans.com/prstamos-convencionales - Competitive mortgage financing with cancelable PMI options.
- Self-Employed Mortgages: https://mikasahomeloans.com/prstamos-hipotecarios-para-autnomos - Bank statement and alternative income documentation programs.
- First-Time Homebuyer Guidance: https://mikasahomeloans.com/primeros-compradores - Comprehensive educational preparation and loan options.

## Calculators & Interactive Tools
- Mortgage Payment Calculator: https://mikasahomeloans.com/calculadoras/pago-hipotecario
- HELOC Power Estimator: https://mikasahomeloans.com/heloc
- Affordability Calculator: https://mikasahomeloans.com/calculadoras/asequibilidad
- Closing Costs Calculator: https://mikasahomeloans.com/calculadoras/costos-de-cierre
- Refinance & Cash-Out Calculators: https://mikasahomeloans.com/calculadoras/refinanciamiento

## Key Educational Resources
- Mortgage Blog: https://mikasahomeloans.com/blog - Bilingual educational articles on credit, homebuying, and refinancing in Florida.
- FAQ Page: https://mikasahomeloans.com/faq - Answers to common Florida mortgage questions.
- Glossary: https://mikasahomeloans.com/glosario - Clear definitions of mortgage terminology.
- Linktree Creator Hub: https://mikasahomeloans.com/linktree - Direct access to booking, calculators, and social channels.

## Compliance & Official Links
- NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2559162
- Privacy Policy: https://mikasahomeloans.com/politica-de-privacidad
- Terms of Service: https://mikasahomeloans.com/terminos-de-servicio
- ADA Statement: https://mikasahomeloans.com/declaracion-de-la-ada