Derrick Makins Sr

Senior Loan Officer // NMLS #1092778  // Licensed in Florida

With 14 years of dedicated experience in mortgage origination, Derrick Makins Sr. has built his reputation on a simple principle: everyone deserves a path to homeownership. His extensive knowledge of mortgage laws and regulations, combined with a genuine commitment to client success, has made him a trusted advisor to countless families and individuals throughout the community. Derrick specializes in navigating the unique challenges that self-employed buyers often face in the mortgage process. Understanding that entrepreneurs and business owners have different financial profiles than traditional W-2 employees, he takes the time to craft creative, compliant solutions that turn homeownership dreams into reality. His expertise in alternative documentation and portfolio lending options has opened doors for small business owners, freelancers, and independent contractors who might have been turned away elsewhere. Beyond his technical expertise, Derrick is deeply rooted in the community he serves. He believes that strong neighborhoods start with homeownership, and he’s passionate about educating first-time buyers, hosting homebuyer workshops, and partnering with local organizations to promote financial literacy. His approachable style and ability to explain complex mortgage concepts in plain language have earned him a reputation as the “go-to” mortgage professional who truly listens and cares. Whether you’re a first-time homebuyer, a seasoned investor, or a self-employed professional looking to secure financing, Derrick brings the perfect blend of expertise, creativity, and personal attention to every transaction. He doesn’t just process loans – he builds relationships, advocates for his clients, and celebrates with them when they receive their keys. When you work with Derrick Makins Sr., you’re not just getting a mortgage originator; you’re gaining a knowledgeable partner who will guide you through every step of your homeownership journey with integrity, transparency, and a genuine commitment to your success.