YOUR MORTGAGE is a click away
863.397.7717our core values
Growth Mindset
Transparent
Above and Beyond
Process Driven
Compassionate
Humble
Integrity
Loyal
Nimble
Jose Padilla is a Mortgage Loan Originator with Neighborhood Loans in Lakeland, FL, helping families take one of the biggest steps of their lives. His path into the industry began with his own homebuying journey—after closing on his first mortgage, he reached out to the loan officer who guided him and asked how to get started himself. What drew him in was the ability to build a career that allowed him to be present for his two sons while supporting others through a major milestone. Since then, he’s become proud of the relationships he’s built, the trust he’s earned, and the steady growth that comes from approaching every client with patience, communication, and genuine care. Jose’s work is driven by his family, his faith, and the vision of building something meaningful for the future. His goal is always to make the homebuying process feel smooth, possible, and empowering—no matter a client’s starting point. He focuses on educating, guiding, and meeting people where they are, knowing that every file moves at its own pace. The most fulfilling moments in his career are the ones where he gets to hand over keys to families who once doubted it could be their reality. As he continues learning and growing, Jose strives to keep making homeownership more accessible and achievable for the communities he serves.
Here's how we do things
Apply Online
Pre-Approved
Search
to Processing
Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.
Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.
Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you would like to purchase, make and offer, and come to an agreement with the seller, we will submit your loan to our processing team.
This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.
After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.
Here's how we do things
Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.
Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.
Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you would like to purchase, make and offer, and come to an agreement with the seller, we will submit your loan to our processing team.
This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.
After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.
