Meet Your Mortgage Loan Officer

Hey, I’m Ace!

I’m Heriberto “Ace” Acevedo Soto, a Mortgage Loan Officer serving clients across Florida. I specialize in helping buyers, homeowners, and investors secure the right loan by giving them access to over 160 lenders—so they can get better rates, more options, and a smoother experience from start to finish.

With a background in finance and real-world experience in lending and sales, I understand that every situation is different. Whether you’re buying your first home, refinancing, or investing, my goal is to guide you step-by-step and make the process simple, clear, and stress-free.

Access to 160+ lenders for better rates and flexible loan options

Personalized guidance for first-time buyers, refinances, and investors

Fast, clear communication from pre-approval to closing

Get Pre-Approved Fast and Move Forward with Confidence

Access 160+ lenders for FHA, VA, Conventional, Jumbo, Refinance, HELOC, and first-time homebuyer solutions—all with personalized guidance across Florida.

160+

Lenders Available

FL

Statewide Service

1-on-1

Personalized Guidance

First-Time

Guidance Every Step

ABOUT OUR COMPANY

Why Should You Choose Us?

At Way Forward Lending, we focus on making the lending process simple, transparent, and tailored to your financial goals. We understand that every client’s situation is unique, which is why we take a personalized approach instead of a one-size-fits-all solution.

Our team is committed to providing clear communication, fast responses, and dependable guidance from start to finish. We work hard to ensure you feel supported at every step—whether you’re purchasing a home, refinancing, or exploring your options.

Backed by strong industry partnerships, including Barrett Financial Group, we combine experience, technology, and a client-first mindset to help you move forward with confidence.

We don’t just process loans—we help build long-term relationships based on trust, service, and results.

Heriberto Acevedo Soto

NMLS#2556454

Mortgage Broker

WHAT WE OFFER

Our Core Service

We help clients across Florida secure the right mortgage by giving them access to over 160 lenders—so they can get better rates, more options, and a smoother experience. Whether you’re buying a home, refinancing, or accessing your equity, we make the process simple, fast, and stress-free from start to finish

Unlike banks, we shop over 160 lenders to find the best loan option for your situation.

.

Helping you secure the right financing to buy your dream home with confidence and clarity.

FHA, VA, Conventional & Jumbo options

Low down payment programs available

Fast pre-approvals to strengthen your offer

Guidance from application to closing

Simple, fast, and secure mortgage applications tailored to your financial goals.

Quick and easy online application

Personalized loan options from 160+ lenders

Competitive rates and flexible

terms

Expert guidance every step of the way

Lower your rate, reduce your payment, or access your home’s

equity.

Rate & term refinance

options

Cash-out refinance available

Remove mortgage insurance

(PMI)

Save money over the life of your

loan

Tap into your home’s equity for renovations, debt consolidation, or investments.

Flexible home equity lines of credit

Access cash when you need it

Competitive rates from multiple lenders

Ideal for home improvements or investments

Finance properties that need upgrades or expand your real estate

portfolio.

Renovation loan programs

available

Investment property financing

DSCR loan options for investors

Short-term and long-term

solutions

Get expert advice and a clear plan before making your next

move.

One-on-one mortgage

consultation

Strong pre-approvals for

buyers

Credit and financial guidance

Strategic loan planning

Do You Have Queries? Please Go Through 'Frequently Asked Questions' First

Way Forward Lending
Powered by Barrett Financial Group
NMLS #2556454

❓ What types of loans do you offer?

We offer a wide range of residential loan options including FHA, VA, Conventional, Jumbo, Refinance, HELOC, and investment property loans. With access to over 160 lenders, we’re able to match you with the best program for your specific needs.


❓ How do I get pre-approved?

Getting pre-approved is simple and fast. You can complete a quick online application, and we’ll review your information to determine how much you qualify for. Pre-approval helps strengthen your offer when buying a home.


❓ Do I need perfect credit to qualify?

No, you don’t need perfect credit. We work with multiple lenders that offer flexible credit requirements. Whether your score is strong or needs improvement, we’ll help you find the best available options.


❓ How much do I need for a down payment?

It depends on the loan type. Some programs allow as little as 3% down, and VA loans may offer 0% down for eligible buyers. We’ll help you choose the best option based on your financial situation.


❓ Can I refinance my current mortgage?

Yes, refinancing can help you lower your interest rate, reduce your monthly payment, or access cash from your home’s equity. We’ll review your current loan and goals to determine if refinancing makes sense for you.

❓ What’s the next step?

The best next step is to get pre-approved. This gives you a clear understanding of your budget and puts you in a strong position when making an offer.

👉 Click “Get Pre-Approved Today” to get started.

Our Team

Heriberto Acevedo Soto
Mortgage Loan Officer | NMLS #2556454
Access to 160+ Lenders

Powered by Barrett Financial Group


Mortgage Broker Reviews

People Are Saying

Felix Ciriaco

Homeowners

Excelent

Thanks to Heriberto and he’s awesome work , very helpful, very polite he was always there for me in the process to getting my family my new Florida home and get the best interest rates.


Mildred Mal

Homeowners

Recomendado

Servicio de excelencia y calidad . Disponibilidad en todo tiempo , para informar y trabajar arduamente. Recomendado.


Alison Campeu

Homeowners

Recommending Mortgage

Dedicated worker,he makes sure he goes above and beyond for his clients. I am a very satisfied client myself I couldn’t have chosen anyone better he was always available to help me out anyday and anytime 😊


Office: 1010 Pennsylvania Ave Saint Cloud, Fl 34769

Call 321-730-2797

Site: www.acelends.com

Copyright 2022 . All rights reserved. Way Forward Lending is power by Barrett Financial Group, LLC.
Barrett Financial Group, LLC is an Equal Housing Lender. NMLS #181106.
This is not a commitment to lend. All loans are subject to credit approval. Terms and conditions may apply.