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zen team
Han Nguyen, NMLS# 1986763 President | MLO | Mortgage Strategist
With 20+ years experienced in Banking, Investment and Mortgage, Nguyen currently is a female entrepreneur, consultant and real estate note investor. She also holds MBA in Finance and MA in Economics. Thus, she can understand the same challenges of her borrowers who are self-employed, business owners or real estate investors. Her corporate finance & credit underwriting expertise makes loan approval easier. She leads the team by example and passion to create positive impacts on others. To her, the boutique Zen Mortgage Inc is a purpose-driven mortgage broker company where talents unite with kind hearts for the good. She loves to build things, family-like culture and A-type team. Her strong belief is in abundance mindset, positive energy and impactful lifestyle. At Zen, we are just not a transactional originator but your mortgage partner for life. For leisure, she enjoys practicing yoga, meditation, dancing, water sport, activities in nature and spending time with her beloveds. Most members speak 2+ languages.
P: (714) 204 5106
Jose Garcia, NMLS# 2700711 Mortgage Loan Originator | Advocate for Homeownership & Growth
With over 18 years of experience in life safety inspections, construction, customer service, and management, Jose Garcia brings a unique blend of precision, integrity, and people-first service to the mortgage industry. Now stepping into the realty and mortgage space, Jose is driven by a passion for helping individuals and businesses turn their ownership dreams into reality.
His background in safety and construction gives him a deep understanding of the foundations—both literal and financial—that support successful property ownership. Whether you're a first-time homebuyer or a seasoned investor, Jose is committed to guiding you with clarity, care, and confidence every step of the way.
Jose believes that every transaction is more than a deal—it’s a milestone in someone’s life. With a fresh perspective and a dedication to learning, he’s here to make the mortgage process smooth, transparent, and empowering.
P: (786) 299-3665
Melisa Garcia, Loan Officer Assistant | Mortgage Operations Associate
With over 15 years of experience in the insurance and financial services industry, I’ve dedicated my career to helping people take control of their finances and feel confident about their future. Whether it’s getting out of debt, saving for retirement, or buying a home, I’m passionate about guiding others through these important milestones.
I bring a positive mindset and a practical approach to every conversation. My background in operations has taught me how to find smart, tailored solutions that truly fit each client’s unique situation. I believe in keeping things simple, clear, and always centered around your goals.
I’m fluent in both English and Spanish, and I love being able to support a diverse range of individuals and families in a way that feels personal and trustworthy. Whether you're looking to get out of debt, save for retirement, or you're ready to purchase your first home or investment property, I’m here to help you take that next step with confidence - every step of the way.
P: (305) 525-0379
Jeffrey Armand, CRE Loan Advisor
Jeffrey Armand brings over 15 years of commercial real estate experience to his role as a Commercial Loan Advisor at Zen Mortgage Inc. Armand does not originate residential mortgages. He holds an MBA in Real Estate Development and has worked extensively across multifamily, mixed-use, and self-storage asset classes.
Jeffrey's unique advantage lies in his borrower-side perspective. He has personally underwritten acquisitions, structured complex debt arrangements, and assembled countless loan packages for investors and developers. This hands-on experience gives him an insider's understanding of what lenders require for approval.
His background in property and asset management provides clients with strategic insights that go beyond simple loan placement. Jeffrey identifies the strongest financing structures, anticipates lender concerns, and positions each application for success. He transforms complex commercial transactions into clear, compelling narratives that resonate with underwriters.
When you work with Jeffrey, you gain a trusted advisor who has stood where you stand—and knows the path forward.
P: (954)-654-5592
Doan Le (Miley), NMLS# 2723777 Mortgage Loan Originator
Based in North East Florida, Doan (Miley) is helping clients navigate both the home buying and financing process from start to finish. Experienced in conventional, FHA, VA, DSCR, and non-QM loan programs, with a strong focus on investor financing and fast, solution-oriented closings.
Passionate about building long-term relationships, delivering clear communication, and helping clients create wealth through real estate. Proud to provide bilingual English/Vietnamese support, with conversational Japanese communication ability, and a strong commitment to client service as part of the team at Zen Mortgage Inc.
P: (904)-480-6846