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On this episode of the Studio 321 Podcast, hosted by Steve and Angela, we sit down with Luis Perez, Branch Manager with Certified Mortgage Planners and one of the most relationship-driven loan officers on the Space Coast. Luis didn’t take the typical straight path into mortgages. He started hustling in the auto salvage industry at 15, entered mortgages three separate times, lived through the 2008 crash, and eventually found his stride not as an agent—but as the guy solving problems behind the scenes. Today, he leads a team built on communication, education, and treating every client like a priority. Luis shares why first-time buyers get overwhelmed, how he eliminates fear through clear expectations, and why his number one rule is don’t lose a home over $50 a month. From lowering insurance and restructuring debt to strategic use of down-payment assistance, he calls it loan surgery—finding a way to make a deal work when others walk away. Whether you’re a buyer, a realtor, or just love a great comeback story, this conversation is packed with wisdom, laughs, and real talk about what it takes to thrive in today’s market. Get in touch with Luis at (321) 586-6168 or luis.perez@cmpfl.com Stay connected: Instagram: / studio321podcast Facebook: / studio321podcast Website: [https://www.studio321podcast.com](https://www.studio321podcast.com/) #Studio321Podcast #BrightwayInsurance #SpaceCoast #Podcast