It begins with you

Our mission is to get you funded. Whether you are a first-time home buyer with great credit, an investor looking to add to their portfolio, or in a tight spot with income or credit, our goal remains the same. We are happy to compete on price and service, and we are not afraid of complex loans. We fight for you. At large lenders and banks, you are just one of the hundreds of clients a banker works with. Most likely, after you sign the first papers, you will never hear from your loan officer again. We fight against this model. When working with you will have a dedicated loan officer with you through the whole process. We are hands-on and will always be there for you, pushing your loan to be funded to close on time. We hope to earn your business and build a relationship as experts you can count on. 

The Team

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Matthew Cohen 

President and Founder 

Born and raised in Syracuse, New York, Matthew has always been interested in the mortgage and real estate industry...

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Dilcia Berti

Senior Loan Officer

Dilcia has a Business Administration degree, and over 24 years experience in the Mortgage Business. Now with access to...

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Eric Quent

Loan Officer Assistant

     Eric has a background in tutoring Math and Reading, prior to working with Breakwater Funding. He spent 6 years in...

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David Teta 

Chief Technology & Compliance Officer

David has a extensive background in Technology, prior to coming to Breakwater Funding he spent several years...

 
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Direct Line: (305) 760-9484
 

Cell Phone: (561) 563-1533
 
Fax Line: (855) 719-2511
 
Matthew@breakwaterfunding.com

Individual NMLS: 1963626

Matthew Cohen

President and Founder

     Born and raised in Syracuse, New York, Matthew has always been interested in the mortgage and real estate industry. His attraction drove him to go to school and get his degree in Business Administration. After he graduated, he spent several years learning the ins and outs of the business, and eventually he decided to open his own business, so he could ensure that every one of his clients was helped to the highest of standards. Every day he lives his dream by helping our clients achieve their home goals. There's no better feeling than helping someone buy their first home, save money or build their investments.

     Outside of mortgages, Matthew enjoys exploring the many things to do in beautiful South Florida. From boating and swimming in the warm Florida waters, to hiking and enjoying local attractions with his friends and family.
 
Matthew is here any time to help you navigate the mortgage process. 

 
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Direct Line:  (305) 929-0905
 
Cellphone:  (754) 423-2385
 
Fax Line:  (855) 719-2511
   
dilciabl@breakwaterfunding.com

Individual NMLS: 2111331

Dilcia Berti

Senior Loan Officer

     Dilcia has a Business Administration degree, and over 24 years experience in the Mortgage Business. Now with access to more than a dozen wholesale lenders, with loan options not available at most banks, and with the aid of our great technology, she can help you to find the best program to help you meet your goals. Her objective is to deliver the best experience for you during the whole process, making it easy and smooth.

     What does she do when she's not busy helping borrowers? Well, as a forever learner you can find her reading a book, writing or immersed in a new project. She also enjoy cooking, riding to the beach, and doing anything and everything with her family.

     She knows first-hand how important is that sense of peace that comes with owning a home. Her superpower is helping people like you to realize their home ownership dreams as if they were her own.

     Feel free to call her anytime for help with mortgage questions.

 
 
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Direct Line:  (305) 760-9443
 
Cellphone:  (330) 347-7808
 
Fax Line:  (855) 719-2511
 
EricQ@breakwaterfunding.com

 

Eric Quent

Loan Officer Assistant

     Eric has a background in tutoring Math and Reading, prior to working with Breakwater Funding. He spent 6 years in Brooklyn, New York before moving down to Florida and joining our team. Before moving to New York, he obtained his Bachelor’s of Science in Education from the University of Akron, Akron OH. He has extensive background in customer service as well as with computers and electronic integration.

 

     When Eric isn't assisting our clients and loan officers you can find him hiking, camping, scuba diving, fishing, and playing disc golf.  He may be new to South Florida, but is already home. He loves checking out local spots he has never been.

      If you're looking for an unmatched attention for detail and unrivaled service, Eric is just the Loan Officer Assistant for you. Feel free to reach out at any point with your mortgage questions and Eric will be more than happy to help!

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Direct Line:  (305) 760-9443
 
Cellphone:  (315) 708-9261
 
Fax Line:  (855) 719-2511
 
DavidT@breakwaterfunding.com

Individual NMLS: 2264259

David B. Teta

Chief Technology and Compliance Officer

     David has a extensive background in Technology, prior to coming to Breakwater Funding he spent several years working on atomic mass spectrometers, and various other scientific instruments. Before he did that he worked for a medical device startup company as their Chief Technology Officer, where he established systems to give the company structure more efficiency, designing internal communications tools, and rebuilding their brand with a more user friendly website.

     Naturally as a tinkerer, David spends most of his time outside of work working on various projects, from working on automotive vehicles, to designing and fabricating 3D printed mechanisms to aid around the house. He also has two dogs who absolutely love to go to the park.

     If you have any inquiries into our process, feel free to call David any time.