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NMLS# 2540315
Your Lifetime Mortgage Partner
Women-Owned & Family-Driven
Meet Our Team
A diverse team of licensed mortgage professionals united by a shared mission — to educate, enable, and empower homeownership for everyone.
Licensed & Experienced
Multi-state licensed team with decades of combined experience
Client-First Culture
We find solutions when traditional lenders say no
Diverse & Inclusive
Serving every community with respect and compassion
FOUNDER
Han Nguyen
President | MLO | Mortgage Strategist
NMLS# 1986763
With 20+ years experienced in Banking, Investment and Mortgage, Nguyen currently is a female entrepreneur, consultant and real estate note investor. She also holds MBA in Finance and MA in Economics. Thus, she can understand the same challenges of her borrowers who are self-employed, business owners or real estate investors. Her corporate finance & credit underwriting expertise makes loan approval easier. She leads the team by example and passion to create positive impacts on others. To her, the boutique Zen Mortgage Inc is a purpose-driven mortgage broker company where talents unite with kind hearts for the good. She loves to build things, family-like culture and A-type team. Her strong belief is in abundance mindset, positive energy and impactful lifestyle. At Zen, we are just not a transactional originator but your mortgage partner for life. For leisure, she enjoys practicing yoga, meditation, dancing, water sport, activities in nature and spending time with her beloveds. Most members speak 2+ languages.
Our Loan Officers
Each member of our team brings specialized expertise to help you find the right financing solution.
Jose Garcia
Mortgage Loan Originator | Advocate for Homeownership & Growth
With over 18 years of experience in life safety inspections, construction, customer service, and management, Jose Garcia brings a unique blend of precision, integrity, and people-first service to the mortgage industry. Now stepping into the realty and mortgage space, Jose is driven by a passion for helping individuals and businesses turn their ownership dreams into reality.
Melisa Garcia
Loan Officer Assistant | Mortgage Operations Associate
With over 15 years of experience in the insurance and financial services industry, I've dedicated my career to helping people take control of their finances and feel confident about their future. I bring a positive mindset and a practical approach to every conversation.
Jeffrey Armand
CRE Loan Advisor
Jeffrey Armand brings over 15 years of commercial real estate experience to his role as a Commercial Loan Advisor at Zen Mortgage Inc. He has underwritten acquisitions, structured complex debt arrangements, and assembled loan packages for investors and developers.
Sheri Gunther
Mortgage Loan Originator
NMLS #1160567
Sheri Gunther is a dedicated Mortgage Loan Originator with Zen Mortgage Inc., committed to helping homebuyers and homeowners navigate the mortgage process with confidence. She provides personalized guidance, clear communication, and tailored financing solutions to help clients achieve their homeownership goals. Whether purchasing a first home, refinancing, or exploring investment opportunities, Sheri is focused on delivering exceptional service every step of the way.
Want to Join Our Family?
We're always looking for passionate, licensed mortgage professionals who share our values of integrity, compassion, and excellence.
Zen Mortgage Inc. MNLS# 2540315
Helping homebuyers, investors, business owners, and self-employed borrowers secure solutions that support them to build long-term wealth and manage risks.
300 SE 2nd St, Suite 600, Fort Lauderdale, FL 33301.
Phone: (954) 928 8262 | (954) 908 6388 |(714) 204 5106
Email: [email protected]
Quick Links
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NMLS Information
Zen Mortgage Inc., NMLS #2540315 Licensed Residential Mortgage Broker In: Florida, Texas, Tennessee, North Carolina
Nationwide Commercial Real Estate Financing.
Equal Housing Opportunity
Zen Mortgage Inc. NMLS #2540315. Equal Housing Opportunity. Not all applicants will qualify. Loan approval is subject to credit approval, property approval, underwriting guidelines, and program availability. Programs, rates, terms, and conditions are subject to change without notice. This website is for informational purposes only and does not constitute a commitment to lend. For licensing information, visit NMLS Consumer Access.
Mortgage Disclosure: Zen Mortgage Inc. is an independent mortgage broker and is not affiliated with HUD, FHA, USDA, VA, or any government agency. Additional disclosures are available on our Mortgage Disclosures page. © 2026 Zen Mortgage Inc. All Rights Reserved. NMLS #2540315 Equal Housing Opportunity