Logo for Mota Mortgage Center featuring a house with a gold heart-shaped keyhole and the letters 'L' and 'M' integrated into the design, with the text 'MOTA MORTGAGE CENTER' below.

Your Path to Homeownership Starts Here

Personalized mortgage solutions for first-time buyers, self-employed, and investors — even with credit challenges.

About Mota Mortgage Center

At Mota Mortgage Center, we believe everyone deserves a fair opportunity at homeownership — regardless of credit score, employment type, or financial background.

We are a Cape Coral, Florida-based mortgage brokerage specializing in thoughtful, strategic loan solutions for clients who don’t always fit inside a one-size-fits-all box. Our approach is built on education, advocacy, and personalized planning — not quick quotes or guesswork.

We specialize in helping:

  • First-time homebuyers navigate the mortgage process with confidence

  • Self-employed and 1099 borrowers structure income correctly

  • Real estate investors and DSCR borrowers secure smart financing

  • Buyers seeking down payment assistance programs

  • Clients who are rebuilding or improving their credit

Our mission is simple: to provide clear guidance, personalized mortgage strategies, and consistent support from your first conversation through closing day — and beyond.

Whether you’re ready to buy now or need a plan to prepare, we meet you where you are and walk you through every step of the mortgage journey with transparency, honesty, and purpose.

Work with Leslie Mota

A woman with blonde hair, wearing glasses, a light-colored blouse, navy pants, and high-heeled shoes, sitting on a kitchen counter smiling.

I founded Mota Mortgage Center because I know firsthand how overwhelming the home-buying process can feel without proper guidance, transparency, or advocacy. I’ve been there — and I built my business to ensure my clients never have to navigate it alone.

As a licensed mortgage broker, I don’t just submit applications. I take a strategic, hands-on approach to structuring loans, so my clients are positioned for approval from the start.

I specialize in:

  • Matching clients to the right loan program for their financial profile

  • Creating personalized mortgage strategies, especially for self-employed borrowers

  • Navigating complex guidelines and advocating when a loan is unfairly denied

My clients know me for being honest, detail-driven, and fully committed to getting them to the closing table with confidence.

If you’re serious about homeownership and want a mortgage professional who will guide you every step of the way, I’d be honored to work with you.

FREE MORTGAGE CALCULATOR

SERVICES

Mortgage Solutions Designed Around You

At Mota Mortgage Center, every loan starts with strategy — not assumptions. I work with multiple lenders to find the best mortgage options based on your goals, income, and long-term plans.

Loan programs include:

  • Home Purchase Loans

  • Mortgage Refinancing (Rate & Term / Cash-Out)

  • FHA Loans

  • Conventional Loans

  • VA Loans

  • Self-Employed & 1099 Borrowers

  • Credit-Challenged Borrowers

Not sure what you qualify for? That’s exactly what the strategy call is for.

  • A small model house with a red and white exterior and a gray roof on a wooden surface, with a key and a keychain in the foreground.

    Non-Traditional Loans


    Bank Statement Loans (self-employed)
    1099 Loans
    P&L Only Programs
    DSCR Loans (for investors)
    ITIN Loans

  • A person holding a jar labeled 'SAVINGS' filled with coins.

    Traditional Loans:

    FHA Loans (as low as 3.5% down)
    Conventional Loans
    VA Loans (0% down for eligible veterans)
    USDA Loans (0% down in rural zones)

  • Two people shaking hands, one in a blue shirt and the other in a white shirt, in an office setting.

    Other Services

    Credit Repair Coaching
    Down Payment Assistance Guidance
    Personalized Loan Strategy Plans
    Pre-Approval Support

Let’s Build Your Home Loan Strategy — Together

Book your complimentary 15-minute home loan strategy call and walk away with:

  • A clear, personalized path to qualification

  • Loan options tailored to your financial situation

  • The exact next steps to move forward confidently

No pressure. No guesswork. Just expert guidance from a licensed mortgage broker who puts your goals first.

Book Your Free Strategy Call

FREQUENTLY ASKED QUESTIONS

  • Yes — programs like FHA may accept scores as low as 580. I also offer guidance to improve your score fast.

  • Absolutely! I work with programs that accept bank statements, 1099s, or P&Ls to verify income.

  • Many of my clients came to me after being denied elsewhere. With the right strategy, we can often turn a ‘no’ into a ‘yes.’

  • Nope. Many of my clients qualify with 3%, and some get approved with $0 down options.

  • Once we have your documents, it can take as little as 24–48 hours.