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Guiding You to Smarter Homeownership
Mortgages tailored to fit your needs and financial goals
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Matt Sines

Senior Loan Officer

NMLS# 706232

About me

Matt Sines is a dedicated mortgage loan officer with deep roots in the DC metro area and currently based in Pensacola, Florida. Growing up in the DMV region gave Matt a strong appreciation for diverse communities and fast-paced markets-insights he now brings to his work helping clients across Florida and beyond secure the right home financing solutions.

With over 15 years of experience in the mortgage and home lending industry, Matt specializes in conventional, FHA, VA, and Jumbo loans, offering personalized guidance tailored to each borrower's financial goals. Whether you're a first-time homebuyer, refinancing your current mortgage, or investing in property, Matt provides expert advice and a smooth, transparent loan process.

Known for his responsiveness, integrity, and client-first approach, Matt is a trusted resource for both homebuyers and real estate professionals. His background in the DC metro area combined with his local expertise in Florida's housing market makes him uniquely positioned to serve a wide range of clients.

When not working, Matt spends time drumming in his band, cooking a meal for his family, or out fishing with his friends.

Let's find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.95 out of 5.0 stars
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5.0
Experience logo
4.9
Google logo
5.0
Kyle
Feb 27, 2026
Foley, AL
Experience logo
Choosing the right mortgage lender is one of the most important financial decisions you can make, and working with this ...See more
Somer
Feb 23, 2026
Milton, FL
Experience logo
Great Communication!
Beth G.
Feb 21, 2026
Google logo
Matt is professional, communicative, and knowledgeable. I’m looking forward to working with him again soon!
Beth
Feb 20, 2026
Foley, AL
Experience logo
Matt is professional, communicative and knowledgeable, I'm looki forward to working with him again soon!
Kyle s.
Feb 17, 2026
Google logo
Working with this mortgage lender was one of the best decisions we made during our home purchase. From the beginning, th...See more
Jennifer A.
Jan 20, 2026
Google logo
Great communication and on time closing!

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Awards

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Causes & Memberships

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NMLS ID #706232

I am authorized to do business in the states of Alabama, District of Columbia, Florida, Maryland, Tennessee and Virginia. (www.nmlsconsumeraccess.org/);

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