Our Staff
At Halpern & Associates, our team is dedicated to making sure you get the right mortgage for your home. For over two decades, our company has worked with both domestic and international clients.
Reach out today to start your loan application process.

Elizabeth Gonzalez-Kosel
NMLS ID 589387
Mortgage Loan Originator
Joined Halpern & Associates in 2016
elizabeth@halpernassociates.com
305.775.8458
Bilingual: English/EspañolSchedule a Meeting

Joyce Scheidegger Silva
NMLS ID 1429925
Mortgage Loan Originator
Joined Halpern & Associates in 2018
joyce@ssfloridalending.com
781.420.4959
Bilingual: English/Português
Mortgage Loan Originator
Joined Halpern & Associates in 2018
joyce@ssfloridalending.com
781.420.4959
Bilingual: English/Português

Cheila Sanchez
NMLS ID
Client Coordinator
Joined Halpern & Associates in 2019
cheila@halpernassociates.com
305.535.2230
Bilingual: English/Español

Olga Olmos
NMLS ID 332292
Mortgage Loan Originator
Joined Halpern & Associates in 2018
olga@halpernassociates.com
954.647.1967
Bilingual: English/Español
Mortgage Loan Originator
Joined Halpern & Associates in 2018
olga@halpernassociates.com
954.647.1967
Bilingual: English/Español

Barbara Smith
NMLS ID 343797
Mortgage Loan Originator
Joined Halpern & Associates in 2015
barbara@halpernassociates.com
305.321.5774
Mortgage Loan Originator
Joined Halpern & Associates in 2015
barbara@halpernassociates.com
305.321.5774

Ralph Puente
NMLS ID 372749
Mortgage Loan Processor
Joined Halpern & Associates in 2007
rpuente@halpernassociates.com
305.790.8692
Bilingual: English/Español
Mortgage Loan Processor
Joined Halpern & Associates in 2007
rpuente@halpernassociates.com
305.790.8692
Bilingual: English/Español