NP, Inc. is a mortgage company with a 24 year history of helping people become new home owners and refinancing others into a better financial situation. Serving clients needs is the core of our business. This basic principle of putting “the client first” is the reason we close loans based upon relationships, not leads. NP, Inc is not your typical mortgage company…and our clients appreciate that.

Over the last 5 years NP, Inc. has expanded beyond our Florida Headquarters and is currently licensed in 37 states. With nearly 22 branches, 13 Underwriters, 18 Processors and 15 Loan Originator Assistant’s, our business model is exciting to other mortgage professionals looking for a strong company to call “Home”. Couple that with the fact that we offer just about every type of loan available, our clients end up with the best financing to fit their specific needs. This gives NP, Inc. the ability to say “yes” more often than most mortgage companies. Our clients continually express their gratitude for our help in securing a loan for their new home or refinancing their existing mortgage after being disappointed by their previous lender’s loan approval process. The other company simply couldn’t get the done.

Another part of NP, Inc.’s success is our staff: both Sales and Operations. Our Sales team is made up of seasoned mortgage professionals that bring in business from relationships with Realtors, Builders, past clients and referrals. Our Operations team is made up of individuals with an average of 8 years of experience in the industry and many of them have been in the mortgage industry for 15 or more years.

NP, Inc. is committed to continue on a path of national growth. We are in the process of adding additional state licenses, expanding our Operations team, bringing in new technology to streamline the loan process and connecting with other companies that are industry leaders who will work with us to assist in selling loans on the secondary market. More efficiency means better pricing for our clients

As part of our growth strategy, NP, Inc. purchased an additional 6,000 sq. ft. of office space to add to the 6,000 sq. ft. already owned. Our intent is to enlarge and improve back-end operations as we add additional branch locations.  As a result of our reputation in the industry and the relationships many  in our management team  have with other mortgage professionals around the country, we are continually approached by Independent mortgage offices  interested in joining in our expansion and growth. Our goal is to focus on bringing in other Mortgage Professionals that practice our “client first” mentality.

2019 has been very exciting for NP, Inc. We are equally excited about our plans for 2020 and feel confident that the groundwork we have laid, as well as ongoing improvements to our processes, will lead to substantial growth with minimal growing pains. NP, Inc. is 100% ready to take the next step towards becoming a national presence in the mortgage industry.

NP Inc Team NP Inc Team


I have been serving borrowers in Florida and other states for 24 years. I am so proud to be creating a company whose purpose is to offer our customers both a competitive price combined with a commitment to service. The USMTG Family is growing, but not forgetting what made us who we are today and how we got to be where we are. We thank you for each opportunity you have given us and for each referral we served because of that referral. We appreciate and welcome your input, and I will accept your emails or calls whenever I can help to make sure your experience is pleasant and successful.


Owner/President NP, Inc.

Tony Acquaviva


Total Branches


Happy Home Owners Served


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Home sweet home

"John Digges and his team are amazing. They’re the best. I know you already know it. I’m a happy client. I was referred to John by my realtor. I’m very happy to have worked with him. Carone "

"Nikolyn from Greenacres, WA (5 of 5) Recommended! Reviewed: November 2, 2019 Great customer service! We recently closed our loan with Justin Bledsoe at Planet Home Lending and we had the best experience as first time home buyers. Justin is a great communicator and we would highly recommend him to anyone in the market for a new mortgage! "

"George was a True professional with his information his handling of my refi. By far the best experience I’ve ever had with buying a home."

"I had a great experience working with George. He continued to provide us with information and expectations throughout the entire process"

"Thank you George!!"

"Thanks George for all your hard work and for making this process easy!!! I will be sure to recommend to everyone!"

"Giorgio was very responsive and always made time in speaking with us. We are very pleased with his professionalism and knowledge. He has made this transaction so easy and has gone above and beyond for us."

"G MAN!!! You are a rock star of comments last month. This reply is to a blind survey we send out. The client doesn’t leave their name so we don’t know who sent it. We find that client’s leave more honest answers if they don’t have to show their name."

"Kristin Barrett was amazing! She was with us at every step on our refinance!"

"Kristin was awesome to work with from start to finish throughout the process. From our initial phone call Kristin could not have been more helpful in guiding my wife and I through what buying our first home would entail. It was great having a partner in buying a home who was there to answer any and all questions we had!"

Paula M

"I bought a house with John Digges in December 2017, and I love my house and I’m so happy. And my son is now looking for a house in Florida, North Florida and I suggested that he get a good lender because he is ex-military so I did want to speak with John but Thank you and I will love you until the day I die, you’re the best and I love my place and I am so happy in Vero. Thank you"

Amazing Team! From Beginning to End... 100% Recommend - 5-Stars!!!

"Michael and his team made this process very easy and straight forward with prompt support along the way. Easy to reach and informative... They locked in the best rate available and connected me with all the right people in order to make this a smooth process. We're very Thankful! Feel confident - you're in good hands! :)"

The BEST team!

"Michael and Nichole are the most incredible lenders you could ever possibly work with! They always kept me well informed and made this process such a breeze!! They provided me with all the options I had when doing my loan and made sure I was able to get the best option for me."

Beverly A

"Thank you Team! It was a pleasure to work with such a professional, efficient and very knowledgeable team. Thanks again for all the hard work and dedication. Yours truly,"

Dewis M and Chardy M

"Michael, We want to express our sincere appreciation for your help and support to get our first home. It was a pleasure to work with this great team. We will refer you for sure. We look forward to continuing doing business together. Thank you again. Have a great day. Best Regards,"


"I highly recommend Alexander Powell. He was knowledgeable in helping me with all of my loan needs. Whenever I needed any issues resolved Alexander Powell helped me clarify them. Besides being knowledgeable he is also professional and patient. I would highly recommend Alexander to any potential client. "


"Alex is very a very professional and organized person. He always had an answer to my questions. I would highly recommend him because he made the lending process so much easier. "


"All I can say is thank you! Thank you!!! We couldn't have done it without Alexander and his team. Extremely professional and patient. We are forever grateful for his help with our home purchase. "


"This is the only place I sent my clients for my real estate transactions! If you want good value and amazing/responsive service, use this company!"

Mike K

"Great company to work with. Extremely responsive. Good rates and exceptional service. Kudos to Sean, Tony and Jose. Thanks for everything guys."

Zury M

"Great experience at US mortgage! This is the best mortgage company in town. Wayne and his team took care of everything and make sure I had no issues all the way to the closing day. Amazing service and commitment to their clients. I Highly recommended them."

Stephanie F

"I would like to thank Wayne and the team for helping me get a loan to buy a Townhouse. This was the biggest purchase I have ever made and he helped me stay calm throughout the entire process. In addition he is very organized and on top of everything. I highly recommend their services to everyone."

Brannon L

"I had a great experience using US Mortgage of Florida. Everything was done in a professional and timely way."

Santy G

"The team over at US mortgage were great. My situation was a little more complicated than most but they got the job done."


"Josh, Your team was awesome! We are very happy in our new home will definitely recommend The Mortgage Brothers to friends and family. Darlene was wonderful, patient, and stayed the course. Please extend my heartfelt thanks to her. Thank you for all the hard work! Sincerely,"

"Melainey is the hardest working Mortgage person I have ever dealt with. She goes above and beyond for the client making sure they get the best terms and rates possible. I am impressed at how diligent she is at getting things done at warp speed!"

"Melainey went above and beyond to get us approved for a home loan. She is extremely professional and we would highly recommend her to my friends and family. Very happy in our beautiful new home. "

"I had the pleasure of recently working with Melainey Jo Gunning for a home purchase in 2019. She was refreshingly personal, professional and mindful of my needs. You're more than just a number. She's responsive whether you have one question or 100. I appreciated her no-nonsense approach to helping me..."

"Thanks to you and your team. Definitely one of the best customer service experience I have had. You treated us like family and it goes along way. I will continue speaking highly of you and the company. Much Regards"

"Melainey and her team have been completely amazing during this stressful time. Super quick, always helpful, and extremely positive and encouraging. Made this process so much easier! "


"Dear Melainey, Every time one of my clients retains you as their mortgage lender their compliments and their satisfaction with the whole process is outstanding. I feel very fortunate to have you as my "go-to" lender as you are such an invaluable asset to so many of my clients... Truly grateful you make all of my transaction seamless. "


"Melainey Gunning- Signature Mortgage & Lending is the absolute best! If you are purchasing a home - look no further for a mortgage !!! Melainey is the hardest working, fastest producing mortgage lender I know! She answers immediately, finds the best product to suit your needs and works tirelessly to make it happen!! Call Melainey!!!! "

"Melainey and team were all very professional and helpful throughout the home buying process. We were able to close on a house very quickly with no problems. "

Brandice D.

"Patricia was extremely personable, was on top of ALL the details, had great advice and resources, and was ALWAYS reachable (even on vacation!). She was an absolute pleasure to work with during what can usually be a tedious and stressful process. I wish I needed another house to finance with her!"

Peta D.

"Patricia was excellent. She always made herself available and answered all my questions honestly, which made me very comfortable. She took the time to explain things and ensured that I understood the information. I am happy I had the opportunity to work with her."

Wanda V.

"Patricia is dedicated and very knowledgeable. She was always ready to answer any question or worries that I could come up with. She is kind, funny and a dedicated professional. I would recommend her all day every day. she is a 10 star professional !!!!!!!! "

Kim J.

"Closing was on time. Patricia was professional and always able to be reached when needed. She also provides assistance to those quite not ready to buy yet, which adds value and gives me a resource to keep clients on track with obtaining their home buying goals. I'll definitely be working with her again!"

Erika F.

"Patricia was super nice! Explain everything step by step and answer all our questions. We loved work with Patricia"

Gavin M.

"Patricia was amazing. Very informative and helpful at every step along the way. Honestly, I do not believe we could have gotten this transaction done if wasn't for Patricia. Recommended 100%!!!!"

Eddher P

"Patricia is very friendly, very professional and ALWAYS responded quick. Patricia is very knowledgeable and answered every question I had. I will recommend her anytime. She is an AMAZING loan officer. Thank you, Patricia!!!"


"Melanie was fabulous ! She made an arduous process more palatable! She answered our telephone calls night and day and weekends!! Came to your home when my husband had trouble with an online application ! She was tops in her field! Knowledgeable and very professional!"


"Working with Melainey made the difficult loan process seem seamless. Melainey was always available and responsive even after hours and weekends! She always had the answers to my questions and did everything she could to ensure a smooth and on time closing. I wouldn't work with anyone else!"


"Melainey and her team were absolutely fantastic. My husband and I recently purchased our new home with her help and it could not have been easier or more seamless. Melainey took care of every detail so we did not have to worry. I have recommended her to all of our family and friends."


"Melainey was extremely fast and was always easy to deal with. everything that we did was always ahead of schedule. I would highly recommend her to anyone purchasing a home"


"Melainey was super helpful and she is the reason we were able to close so fast! She does everything before it needs to be done and that makes for a speedy closing. Thank you again for all you do"

Sonia G.

"AN amazing team that I would recommend to anyone buying a home especially a first time home buyer. I was amazed at their level of support, teamwork, consistency, trustworthiness and just how professional, yet friendly the team was. They made a stressful time in my life the most exciting time ever. A million thanks again."

Lenny & Jasmine

"Michael and his team did an amazing job helping my wife and i purchase our new home. They were extremely helpful and super friendly from start to finish. We couldn't be happier and are very thankful for all their help. We will definitely recommend them to everyone we know if future."

Marilyn C.

"Thank you Michael,Nichole and Staff for making the purchase of my home a wonderful and easy experience. Thank you for guiding me every step of the way. My gratitude is extended to Tricia, Nicole and the rest of your team. Thank you, thank you!"

Ericka G.

"Justin was always very professional, patient and understanding. He made what can be a very emotionally and time consuming process effortless and efficient. His commitment to us and the accessibility we had to him for the simplest of questions made our experience so wonderful. "

Mitchell B.

"Justin and Josh did an incredible job from day one to closing. I did a refinance and they got it done in 7 days and by far the best experience with a mortgage and I have had many. I would reccomend these guys to anyone and could not imagine an easier process. So professional and on top of their business. Thanks guys "