Ani Palaus | Mortgage Loan Originator

Licensed Mortgage Loan Originator · Florida

Ani Palaus

Motto Mortgage VIP · Tampa Bay, FL
Serving buyers & homeowners statewide

NMLS #2639253 VA Loans FHA · Conv · USDA Military Specialist

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Licensed Florida MLO

NMLS Verified · Office #2219899

VA Loan & Military Relocation Expert

Serving All of Florida

Wholesale Broker · Multiple Lenders

How can I help you?

Ready to Get Started?

Whether you're buying your first home, refinancing, or a real estate professional looking for a reliable lending partner — I make the mortgage process simple, fast, and transparent.

Most Common

Home Buyers & Owners

Purchase a new home, refinance your existing mortgage, or explore your VA loan benefit. Get pre-approved in minutes with a secure online application.

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Real Estate Agents

Partner with a dedicated MLO who communicates clearly, closes on time, and helps your clients secure the best financing — so you can focus on selling.

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Loan Programs

Financing for Every Florida Buyer

VA Loans

$0 down for eligible veterans, active duty & surviving spouses. MacDill AFB & beyond.

FHA Loans

Low down payment options with flexible credit requirements for first-time buyers.

Conventional

Competitive rates for qualified buyers — fixed and adjustable-rate options available.

USDA Loans

100% financing for eligible rural and suburban properties across Florida.

Jumbo Loans

Financing for luxury and high-value properties exceeding conforming loan limits.

Refinance

Lower your rate, reduce your term, or tap home equity with a cash-out refi.

For Real Estate Professionals

Your Referral Partner Across Florida

Serving Tampa Bay and licensed statewide — I'm available to work alongside your clients anywhere in Florida.

Close More Deals.
Stress Less on Financing.

When you refer your buyers to me, you get a loan officer who treats every transaction like a priority — with clear communication at every step.

Fast pre-approvals — often same day
Wholesale broker access — I shop multiple lenders so your clients get the most competitive rate
VA loan expertise for military buyers (MacDill AFB & statewide)
Proactive updates so you're never chasing status
Dual-licensed Realtor & MLO — I speak your language
Licensed to serve your clients across all of Florida
Backed by Motto Mortgage VIP's full loan portfolio

Call or Text to Partner: (813) 444-3087

About Ani

A Local Expert You Can Trust

I'm Ani Palaus — a licensed Mortgage Loan Originator with Motto Mortgage VIP, based in Tampa Bay and licensed to serve buyers across the entire state of Florida.

I specialize in helping military families, veterans, and first-time buyers navigate the mortgage process with clarity and confidence. My background as both a licensed Realtor and an MLO means I understand every side of your transaction.

As a wholesale mortgage broker through Motto Mortgage VIP, I shop your loan across multiple lenders to find the most competitive rates and terms — something a single bank simply can't offer.

Whether you're relocating to MacDill AFB, buying your first Florida home, or a real estate agent looking for a lending partner — I'm here to make financing the easiest part of your journey.

Individual NMLS #2639253 Office NMLS #2219899 Motto Mortgage VIP FL Licensed MLO VA Loan Specialist

Get In Touch

Ready to Take the Next Step?

Apply online in minutes, or call/text me directly — I respond fast.

(813) 444-3087 — Call or Text Start Application Online

This is not a commitment to lend. All loan applications are subject to credit approval, income verification, appraisal, and other underwriting conditions. Interest rates and loan programs are subject to change without notice. Motto Mortgage VIP is an independently owned and operated franchise of Motto Franchising, LLC. Motto Mortgage is an Equal Housing Opportunity lender. Rates, terms, and availability of programs are subject to change without notice. Not all programs available in all areas. This website is for informational purposes only and does not constitute legal or financial advice.