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About Us
Where Your Financial Success Is Our Business
My name is Luis Bello, founder and broker-owner of APFS & CPAS, INC./DBA: Action Plus Financial & Action Plus Realty Services, a family business. We have over 30 years of financial services experience. Our tax business was founded on 1990 offering services including: •Personal tax preparation • Business financial consulting and tax services • Managing residential investments and commercial real estate. On 1995 we added mortgage brokerage and real estate services on 2008. IRS Practitioner Tax Identification Number: P00099608. National Mortgage Licensing System Numbers: 501159 and 1580355. FL Real Estate Brokers License Numbers: BK3216651 and CQ1032468.
Get The Concierge Service You Deserve!
No More running all over town looking for companies to get your taxes done, get a mortgage to buy or sell real estate anymore, giving all your personal information to all these people you don't even know while wasting time and money in the process, just call us and experience the difference!.
Stop Getting Pre-qual/approvals Are Not Worth the Paper It Is Written On!
Income Tax Preparation Services. Personal & Business. By Knowing About Taxes, We Can Start The Underwriting Process Immediately. Thus, Giving You A More Solid Pre-Approval, Way Before You Commit Into A Purchase Contract Taking Away The Chance Of Wasting Up To $500 For An Inspection, Up To $600 For An Appraisal And Even A Bigger Chance Of Losing Up To $5,000 On Escrow Deposit Money. Don't Need to be In That Situation With Us, We Do It All In House.
Conventional & Government Home Loans, Reverse Mortgages, USDA, FHA, VA, 100% Financing, Sub Prime & Commercial Loans. Even When Local Banks Have Turned You Down Or Simply To Get A Wholesale Rate.
Testimonials & FAQs
Testimonials
09/25/2015
"I bought a Single Family home in 2010 in Ocoee, FL.
Very honest and competent service. It's hard these days to find someone so knowledgeable person in taxation, mortgage and real estate. Luis helped me find the best investment ever, making me about 25% per year".-Aldia
12/05/17
"Being a first time home buyer, I was a little intimidated at first. Luckily Luis Bello made the process much easier than I had been anticipating. Any questions I had were answered quickly and efficiently. My family and I are very happy with our first home and couldn't have been more pleased with the service. We thank you for the time and effort you spent with us, making our first experience as easy as it was! I definitely recommend Action Plus Realty & Action Plus Financial Services to anyone and would not hesitate to use them again for myself!"-Rafael
More Testimonials!
06/01/16
"Very impressed, the way Luis helped me with my taxes, got a loan approval, negotiated the best terms on the loan and on my home purchase contract".-Ana
Like No Other!
06/08/21
Luis has been our Realtor and accountant for many years. He does an excellent job and we definitely recommend his services to our family members and friends. He is honest, responsible, patient and hard a working person. If you have any doubts, he always willing to help you and educate you.- Andrea Villamarin
FAQs
Q-What's the difference between a regular bank and an independent mortgage broker agency?
A: Mortgage brokers are often approved with many lenders through their wholesale division, giving you the ability to have more loan program choices. Also, mortgage brokers have the ability of pulling one credit report that they can use to shop around different programs and rates for you through their own approved lenders, putting you on the driver seat. On the other hand, banks can only use the credit report they pulled on you, only for their own programs and rates. If you are not happy with those programs or rates, the next bank you go to, would need to pull credit again, bringing your score down. Thus, reducing the chances of getting a good deal or even qualifying to get a loan..
Q-What's the difference between a Realtor, Real Estate Agent or Broker?
A: Broker is a licensee who can represent anyone on any real estate transaction on his own or under the supervision of another broker but is NOT required to hang his/her license under any other licensee. Thus, giving you the most leverage in your transaction, specially if he/she has lots of experience and is dully licensed as a mortgage broker..
A Realtor is any real estate licensee who becomes a member of the Realtor association.
A Real Estate Agent is a licensee that can represent someone on any Real Estate transaction under the supervision of a Broker.