John Edmead was born and raised in Bethesda, Maryland. Growing up as the son of Dominican immigrants, he lived between two cultures — American and Dominican — and from an early age understood that language, identity, and opportunity are deeply connected.

That upbringing shaped everything: his passion for education, his commitment to helping families navigate systems not designed with them in mind, and his ability to build trust across cultural and linguistic boundaries.

John attended high school in Santo Domingo, Dominican Republic — an experience that deepened his Spanish fluency and gave him a firsthand understanding of immigrant family life, cultural transition, and the importance of clear communication across languages.

He returned to Maryland with a bilingual foundation and a bicultural perspective that would later become central to his professional identity.

John attended the University of Florida from 1991 to 1995, building the foundation for his career in business, leadership, and client service.

After his time at the University of Florida, John returned to Maryland and launched his professional career with Enterprise Rent-A-Car — a company known for developing strong business professionals from the ground up.

He quickly advanced into management, building expertise in customer service, operations, team leadership, and relationship management that would carry directly into his mortgage career.

John accepted a transfer with Enterprise Rent-A-Car that brought him to Orlando, Florida. He arrived on February 7, 1997. Central Florida has been home ever since.

In the fall of 1997, John obtained his mortgage broker’s license and entered the mortgage industry — finding his calling in the process. What began as a career pivot became a nearly three-decade commitment to helping families navigate one of the most important financial decisions of their lives.

Since 1997, John has continuously served individuals and families across Florida and the Southeast: first-time homebuyers, move-up buyers, self-employed borrowers, real estate investors, professional sports athletes, military veterans, Hispanic homebuyers, Realtors, builders, and housing industry professionals.

As a bilingual mortgage professional fluent in English and Spanish, John has become a trusted resource for both English-speaking and Hispanic communities throughout Florida. His work continues to expand beyond loan origination into mortgage education, homeownership strategy, financial literacy, and helping families build long-term wealth through real estate.

He has learned, through thousands of conversations, that the gap between a family and homeownership is rarely financial. It’s informational. It’s the language the process is conducted in. It’s the trust — or the absence of it — that either opens a door or keeps it closed.

John is the creator of Pepe the Prestamista™, an AI-powered mortgage education guide available at LenderPepe.com. He is also the founder of PrestamosDeCasas.com, a mortgage education platform dedicated to helping Spanish-speaking homebuyers better understand the home financing process.

His vision is to combine nearly 30 years of mortgage expertise with modern technology and artificial intelligence — making mortgage education more accessible, more understandable, and available to more families across the United States.

Today, John continues to serve clients throughout Florida while building educational platforms, AI-powered tools, and mortgage resources designed to improve access to trusted home financing information.

He is the proud father of three children, and has called Central Florida home for nearly three decades.