***PLEASE READ - IMPORTANT***

We DO NOT sell your information to any third party after we pull your credit. After your credit is pulled, the 3 credit bureaus (Experian, Equifax & Transunion) immediately put this information on a marketing leads list, in the form of "trigger leads." Unfortunately, brokers & banks have no control to stop this, since the bureaus are regulated by the CFPB. We know how frustrating it can be to get hundreds of spam calls and to help prevent this – you can register with the Do-Not-Call Registry here: donotcall.gov

Jessica Firmiano (NMLS #1964533) proudly serves clients across Florida, New Jersey, and Pennsylvania with a deep commitment to excellence and integrity. Born and raised in northern New Jersey within an immigrant family, Jessica’s story is a powerful reflection of perseverance, hard work, and the values that shaped her from an early age.

With years of experience in the mortgage industry, Jessica has developed a reputation for her knowledge-driven approach and exceptional communication skills. She takes great pride in ensuring her clients feel informed and confident every step of the way — transforming what can often be a stressful process into a smooth, transparent, and empowering experience.

Jessica’s forward-thinking mindset and unwavering integrity, combined with her strong moral compass and relentless work ethic, have allowed her to cultivate long-lasting relationships with both clients and business partners. Her dedication to providing tailored mortgage solutions ensures that every borrower receives guidance perfectly aligned with their financial goals.

Beyond her professional achievements, Jessica leads a well-rounded and fulfilling life. She finds joy in the outdoors, has a deep love for music, and treasures every moment spent with her husband and daughters.

Jessica’s mission is simple yet powerful — to serve, educate, and empower every client she meets. Whether you’re purchasing your first home, investing in real estate, or exploring refinancing options, Jessica is here to help you make confident, well-informed decisions every step of the way.

ABOUT PETRA CEPHAS

At Petra Cephas, we are committed to providing exceptional service that will give homebuyers the opportunity for a better life. As professionals in the mortgage industry with over 15 years of experience, we provide our clients with the most convenient options to pay for their home. Our team makes sure to lead our clients to the comfort of a home.

We help our clients prepare for their biggest decisions, offering residential financing for primary residences, second homes, and investment properties. We also handle single family units, multifamily units, condos, and town homes. We are licensed in New Jersey, Pennsylvania, New York, California, Florida, Connecticut, North Carolina, Texas, Virginia, Maryland, Georgia and the District of Columbia.