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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 detail oriented and an Expert at what she does, making 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 business since 2007, 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 since 2016 and is dedicated to get her clients to the closing table quickly and effectively.

Fluent in English, Portuguese and Spanish.


Vilma Natale - NMLS 346885 - Loan Originator

Vilma holds a Bachelor of Science in Business Administration with a concentration on Finance and International Business. She worked for major international banks and quickly transitioned into the mortgage industry in 2005.

Vilma Natale is a dedicated mortgage loan officer with vast experience in the mortgage industry. With a passion for helping her clients achieve their dream of homeownership, Vilma has built a reputation for providing excellent customer service to her clients. She is well versed in multiple loan products including First Time Home Buyers, Conventional, FHA, Jumbo to name a few. 

Vilma is fluent in English, Spanish, and Italian.



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.

Fluent in English and Spanish.

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