Zena Bardawell heads the mortgage lending and banking department at U.S.A. Lending, Inc., your number one Miami mortgage lender.  She has an experienced team that are trained to accommodate all their clients' needs regarding residential or commercial mortgages, small business financing, short sales, and loan modifications.  Whether it is a first time home-buyer, a seasoned investor, a business owner, or a senior looking for some easier retirement years; we at U.S.A. Lending, Inc. have the products, service, and attention you need.

Zena's acquired knowledge and experience from being 10 years in the business enables her to broaden her abilities, become the expert in her field, and become more knowledgeable with her next client.

Zena holds a Mortgage Broker's license as well as a Real Estate Broker's license.  She is also a member of the FAMB, NAMB, FAR, and NAR. 

"My work is people-oriented and service-oriented; if I ever let a client down, I let myself down and I will never let that happen because their success, satisfaction, and happiness are my goals."

Operating his business's in NY for over ten years, he settled in Miami or as he explains “I moved to Paradise”. According to Joe; “Miami is a key port and a strategic center with gold paved streets. Golden is the ability for people to meet and transact. As long as your streets are paved and people walk them, they are gold. With nothing else, Miami has the best sunshine , and Miami’s sunshine is something everyone wants”

My name is Javier Diaz and I am a young business professional who strives for nothing but the best for my clients, the best for my family, and the best for my friends. I am a licensed mortgage broker in the State of Florida and North Carolina, and I am currently working on obtaining my Florida realtor’s license. Also, I am a full time student with a degree path into real estate and international business. I have the formal background and experience needed to overcome difficult business situations in many aspects of the real estate industry including my specialty: Finance.

I have been a mortgage broker since 2005 and have gained extensive knowledge by fully committing myself to helping homeowners and future homeowners obtaining finance for their dream homes and residential real estate investments. I am also proficient in commercial ventures that require meticulous attention to detail. My full commitment is a great factor in my success and I find it extremely rewarding to sit with my clients and assisting them with such intricate financial decisions. My intent is never to steer my clients rather than guild them through the complexity of today’s markets.

Another great factor to my success is education. Not only has my formal education helped me in my success but the educational approach I take with each of my clients ensures that each and every customer is completely satisfied with their decision; and as I said before; I like to guide my clients and while doing so, educating them throughout the process.