About Kari Pastrana
Kari Pastrana is a Loan Officer with The Mortgage Firm, Inc., a nationwide mortgage lender headquartered in Florida. Kari specializes in helping first-time homebuyers, military families, investors, self-employed borrowers, and traditional homebuyers find the loan program that best fits their goals and financial situation. Kari is licensed in Florida and Indiana and focuses on making the mortgage process simple, transparent, and stress-free.

About The Mortgage Firm
The Mortgage Firm, Inc. is a full-service mortgage lender offering a wide range of residential financing solutions. The company provides conventional, government-backed, investor, and specialty loan products while handling the mortgage process from application through closing.

Loan Products Available

1. Conventional Loans

Traditional financing for buyers with established credit and documented income.

Best For:

Primary residences
Second homes
Buyers with good credit
Down payments as low as 3% for qualified borrowers

2. FHA Loans

Government-backed financing with more flexible credit and down payment requirements.

Best For:

First-time homebuyers
Buyers with lower credit scores
Down payments as low as 3.5%

3. VA Loans

Available to eligible veterans, active-duty military personnel, and qualifying surviving spouses.

Benefits:

No down payment for qualified borrowers
No monthly mortgage insurance
Competitive interest rates

Best For:

Military buyers

Veterans relocating to Northwest Florida

4. DSCR (Debt Service Coverage Ratio) Loans

Investor financing based primarily on rental income generated by the property rather than the borrower's personal income.

Best For:

Rental property investors
Short-term rental purchases
Portfolio growth

5. Non-QM (Non-Qualified Mortgage) Loans

Alternative financing solutions for borrowers who may not fit traditional lending guidelines.

Best For:

Self-employed borrowers
Business owners
Bank statement loans
Alternative income documentation

6. Investment Property Loans
Financing solutions designed specifically for investors purchasing rental properties, vacation rentals, or expanding real estate portfolios.

Best For:

Long-term rentals
Short-term vacation rentals
Real estate investors
Portfolio expansion

7. Refinance Programs

Options for homeowners looking to lower payments, shorten loan terms, or access home equity.

Best For:

Rate reductions
Cash-out refinances
Debt consolidation
Home improvement financing

"I work with Kari Pastrana at The Mortgage Firm because she offers a wide variety of loan programs and takes the time to find the right financing solution for each client. Whether you're a first-time homebuyer, veteran, investor, self-employed business owner, or purchasing a second home, Kari can help determine the best loan option for your situation and guide you through the entire process from pre-approval to closing." Bradley Barnes

Contact Information

Kari Pastrana
Loan Officer
NMLS #2745146
The Mortgage Firm (NMLS #189233)
850-420-7731
Kari Pastrana Mortgage Page

Note: NMLS #189233 is The Mortgage Firm's company NMLS number. Kari Pastrana's individual NMLS number is 2745146 according to her published loan officer profile.