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Our Team

Let "the Experts" find the right loan for you!

At Expert Home Mortgage, we are proud to work honestly to help our clients

achieve the goal of acquiring a mortgage loan to by real estate properties.

As seasoned Loan Originators, we apply our skills like attention to detail, listening, problem solving, communication, follow through, persistence and patience.

All with the goal to get from loan application to closing in a timely manner

and as smoothly as possible.

We collaborate with each other by sharing our knowledge and past experiences to make deals happen, because not every mortgage transaction is the same!

Meet The Team

Shirley Rico - NMLS 375501 - Principal Broker


Shirley Rico has a bachelor's degree in business administration and has been in the mortgage business since 2001. She has closed millions of dollars in loan originations and has a broad experience in loan transactions, having delt with all sorts of transactions from small single family to big multi-family properties and anything in between, she is an Expert at what she does, a perfectionist that will make sure her clients are getting the best loan possible. 

Fluent in English, Portuguese and Spanish

Joe Martinez - NMLS 385537 - Loan Originator


Joe Martinez is a navite born and raised Miamian with Cuban roots. He has a bachelor's degree in Hospitality Management. Joe has been licensed since 1992 with over thirty years of experience in the mortgage industry, he is well versed in various loan products, such as FHA, VA, Conventional, Jumbo & Reverse Mortgage loans, working with a full range of borrowers and specializing in First Time Home Buyers, straight Conventional and FHA Loans.

Fluent in English and Spanish.


Fabie Revilla - NMLS 1268114 - Loan Originator

Fabricia Revilla has a Bachelor of Science (B.S.) in Veterinary Medicine from Universidade Estadual do Norte Fluminense, Brazil. She has been in the US since 1999 and has worked as a paralegal for an immigration law firm for 5 years,

she has been in the mortgage business since 2014.

Fluent in English, Portuguese and Spanish


Flavia Tallo - NMLS 1431840 - Loan Originator

Flavia Tallo has been in the real estate market for 15 years, experienced in dealing with high net worth clients, she is knowledgeable in commercial real state transactions as well as in residential. She has a bachelor degree in Fashion Merchandise from Miami International School of Art and Design. She has been in the mortgage business for 5 years.

Fluent in English, Portuguese and Spanish.


Joseph Byers - NMLS 1711579 - Loan Originator


Joseph entered the real estate industry in 2002. After a few years as a Realtor, he moved to the financing side of the transaction. The experience of working both sides, uniquely positions Joseph as a broker that can truly anticipate the buying journey ahead and make the experience a smooth one. He works with veterans on VA loans, first time homebuyers with FHA loans, and has the full catalogue of conventional programs for all purchases and refinances. If you seek something outside the box, a program for the self-employed, an investor product, a loan for foreign nationals, he can help.


Vilma Natale - NMLS 346885 - Loan Originator

Vilma is a  trilingual real estate professional dealing with a diverse international clientele, with prior retail banking experience.

Fluent in English, Spanish and Italian.


Ana Sierra - NMLS 1769240 - Loan Originator

Born in Venezuela and moved to the US in 1990 with her parents and brother, after graduating high school she began her career in the real estate financing/mortgage world. She immediately fell in love with this career and all the opportunities it entailed. Later on, she got her Bachelor's Degree at Nova Southeastern University in Business Administration. Fluent in English and Spanish.


Barbie Garcia - NMLS 1417267 - Loan Originator

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.

Reach out to Barbie to discuss your homebuying needs or to review your current mortgage for a no cost savings analysis.

Deborah Gutierrez - NMLS 2013882 - Loan Originator

Deborah's experience, expertise and customer service will walk you through the process of home financing from beginning to end. She is available to answer any questions as well as educate on the process of buying or refinancing a home. 

Deborah offers one of the lowest interest rates in the Banking Industry and in 90% closing in 4-5 days before closing date. If you are thinking about refinancing your home or buy a new one - now may be an opportune time to call to discuss your needs and explore ways Deborah can be a service to you. . A call to her cell phone number gets an immediate response, but should she not answer right away she typically return calls within a matter of minutes.

Fluent in English and Spanish.

Nathan Barzilay Levy - NMLS 2067801 - Loan Originator

A take-charge, industry-steeped and tech-savvy professional with a passion for transparency and service, who, after almost 20 years as an attentive jewelry business owner decided to move to South Florida and pursue yet another client-focused industry with passion. Nathan is attentive, praised by all the people who have worked with him, and eager to please to 100% satisfaction.

Let Nathan results-oriented approach get you a gem of a deal with white-glove service all around!

Fluent in English and Spanish

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