Trusted, Education-First Mortgage Guidance

Mariel Ruiz-Escasena, Mortgage Loan Officer

NMLS #1967178 • M.C. Financial Group, Inc.
Miami, FL | First-Time Buyers • Refinances • HELOC's • Investors • Customized Loan Solutions

For more than 30 years, M.C. Financial Group has provided trusted, transparent mortgage guidance to individuals and families across Florida. Our focus has always been the same: helping clients make informed decisions with clarity, confidence, and long-term perspective.

I’m Mariel Ruiz-Escasena, a Mortgage Loan Officer known for a hands-on, education-first approach. I personally guide clients through every step of the mortgage process — from early questions and planning, through approval and closing — ensuring nothing feels rushed, confusing, or unclear.

A Personalized, Education-First Experience

Financing a home or investment property should feel empowering, not overwhelming. My role is to simplify the process by:

• Translating complex terms and timelines into clear, manageable steps

• Helping you understand which options truly fit your goals

• Staying accessible and proactive, so questions are answered before stress sets in

With access to 100+ top “A”-rated lenders, I’m able to tailor loan solutions that align with your financial picture — not a one-size-fits-all approach.

Who I Work With

I support clients at many stages, including:

• First-time buyers seeking clarity and guidance

• Homeowners refinancing for savings or equity access

• Investors looking for flexible financing options

• Clients exploring renovation, construction, bridge, or HELOC programs

Investor & DSCR Financing

I also assist investors nationwide with DSCR (Debt Service Coverage Ratio) loans, which are widely available across the United States. These programs are designed to qualify primarily based on the income potential of the property rather than traditional personal income documentation.

Whether you’re acquiring, refinancing, or optimizing cash flow, I take the time to explain how DSCR loans work, when they make sense, and how to structure them responsibly — always with a focus on sustainability and long-term outcomes.

What Sets My Service Apart

• Education-Driven Guidance: You’ll understand the “why,” not just the numbers.

• Hands-On Support: Direct communication from pre-approval through closing.

• Strong Lender Access: More options, better alignment, smoother execution.

• Trusted Foundation: Backed by the 30+ year legacy of M.C. Financial Group.

Let’s Start with a Conversation

Whether you’re just exploring options or ready to move forward, I’m here to help you navigate your next step with confidence.

📞 Call/Text: (305) 469-4674
📧 Email: mariel@askmariel.com
📍 Office: 11160 N. Kendall Drive, Suite 106, Miami, FL 33176

👉 Request a Quote | Apply Securely Online

All loans are subject to approval. Equal Housing Lender.