Victor M. Barroeta
Dual-Licensed Real Estate Broker & Mortgage Loan Officer
NMLS# 2823838 | FL Broker# BK3391075 | Serving Florida Statewide
Victor M. Barroeta is a dual-licensed Florida real estate Broker and mortgage professional with 9 years of experience in the Florida market. By holding both a real estate broker license and a mortgage license, Victor delivers a true one-stop experience — guiding clients through both the home search and the financing under one trusted roof, with a particular focus on first-time buyers, international and foreign-national clients, investors, and families relocating to Florida.
"The smart way to buy, sell, and finance real estate."
MEET VICTOR
Originally from Venezuela and a Florida resident for the past 10 years, Victor brings a global perspective and a deep commitment to service to every client relationship. Before entering real estate, he built a distinguished career as an attorney — practicing labor and employment law for 12 years — and spent 5 years as a university professor, helping prepare the next generation of legal professionals. That background shaped his natural ability to listen, explain complex topics with patience, and guide people through unfamiliar territory.
For 9 years, Victor has worked the Florida real estate market as a licensed Broker. As a Certified International Property Specialist (CIPS), he has specialized training in cross-border transactions and works extensively with foreign and international buyers, first-time homebuyers, and families relocating to Florida. As an immigrant himself, Victor understands firsthand the challenges clients face navigating the U.S. real estate and financing systems.
Family is at the center of Victor's life — he is married with three children. He gives back through his local Catholic parish, serving in ministries focused on marriage and family enrichment, youth and young adults, and community outreach, including volunteer efforts that provide meals and support to people experiencing homelessness.
What sets Victor apart is his combination of legal expertise, educational background, and dual-industry knowledge. He added his mortgage license to better understand both sides of the transaction and provide an additional layer of value — closing the gap between real estate and financing. Rather than focusing only on finding a property or securing a loan, Victor helps clients evaluate the full picture: financing, affordability, long-term goals, and investment potential.
EXPERIENCE. DEDICATION. MISSION.
As a dual-licensed expert, Victor offers a "one-stop shop" approach built on education and advocacy — ensuring clear communication and confident, informed decisions for every client across Florida.
- 9 Years of Florida Real Estate Experience
- 12 Years Practicing Law · 5 Years University Professor
- CIPS — Certified International Property Specialist
- Dual-Licensed: Broker + Mortgage Loan Officer
- Specialized Foreign & International Buyer Support
- Education-First, Advocacy-Driven Service
- Bilingual Service: English & Spanish
- Florida Statewide Coverage · Nights & Weekends
THE BARROETA ADVANTAGE.
Both Sides of the Deal
Dual-licensed as a Broker and mortgage professional, Victor sees the full picture: the property, the financing, affordability, and your long-term goals.
A Lawyer's Analytical Mind
12 years practicing law and 5 years teaching at the university level sharpened his analysis, negotiation, and problem-solving skills.
International Expertise
CIPS-certified and an immigrant himself, Victor guides foreign and non-resident buyers through U.S. systems. Se habla español.
Education-First Approach
A former professor's patience combined with dual-industry expertise — Victor educates and advocates so clients decide with confidence.
WHO I SERVE
Victor's ideal client values professional guidance and education throughout the process. He works with a wide range of buyers, sellers, and investors across Florida — with a particular focus on first-time buyers, foreign and international clients, and families relocating to the state.
LOAN PRODUCTS OFFERED
Conventional
Flexible financing for buyers with strong credit and documented income, with competitive rates.
FHA
Low down payment options and flexible qualifying — ideal for first-time buyers and growing families.
DSCR / Investor Loans
Qualify on rental income rather than personal income — ideal for investors and many international buyers building a portfolio.
Rate/Term Refinance
Lower your rate or shorten your term to save over the life of the loan.
Cash-Out Refinance
Tap your home equity for improvements, debt consolidation, or new investments.
YOUR PATH TO HOMEOWNERSHIP
Consultation
Understanding your goals, timeline, and the full financial picture
Pre-Approval
Clarifying your purchasing power and financing options
Home Search
Curated search and offer strategy with financing ready to go
Processing
Efficient underwriting via Direct Rate
Closing
On-time, fully informed completion and celebration
CLIENT TESTIMONIALS
"Professional, caring, and truly one of a kind are just a few words to describe the many qualities Victor possesses. It was a unique experience working with such an exceptional person. Thank you, Victor — thanks a million for everything."
"Excellent experience with his advice. Many aspects involved in the transaction were well handled by the agent. Thanks!"
"You were on our side the whole time, clarifying our doubts and alerting us whenever we needed to upload documents so the process would flow faster. It all happened within about 40 days, from February 4th until closing on March 18th. We are infinitely grateful!"