Hi! I'm Bob Totaro and I'm a Senior Loan Officer in Florida. I'm here to provide expert mortgage advice and bring you home faster.

NMLS ID: 1589162
Learn more about Bob Totaro

Bob holds a BS in Business from Centenary College and has been a General Securities Registered Representative (series 6, 22, 7 & 63) since 1983 working as an investment product wholesaler. I decided to make a major change in my career in an effort to simply my life, stay closer to home and to get more so off the road. I was constantly out of town flying to all points USA. I wanted to be in an industry that would allow me to use my brain, my people skills, make great money, and to be the master of my own destiny for income. I have for many years had a serious interest in Real Estate as a whole. I have bought and sold several properties. So after considering the change I quickly gravitated to the mortgage side of the real estate business. My skills and personality are best suited for sales. I enjoy meeting new people and helping them achieve their American dream of owning the right house for their family. Cold calling (the hunt) chasing realtors and marching buyers to closing will come naturally to me.

In my previous career I have in-depth hands-on business experience of being the CEO of very large national financial services marketing firm throughout the 1980’s to 2000’s. The firm was one of the largest national companies offering products as a third party marketer (wholesaler) to the Financial Services Broker-Dealer community from the very largest to the smaller regional investment firms. The firm had over 730 sales representative covering 47 states. I have designed and created investment oriented products from scratch and collaborated with other firms on several product designs. I have extensive commercial real estate and oil and gas investment offering experience

My career covers the range from being a stock trader for private accounts to sitting in the Due Diligence / Product Management chair at a Broker Dealer to being a hands-on wholesaler and industry company owner/manager. I pride myself in being a creative “Idea” man. I know how to sell and how to develop sales for many types of Financial Service products. So now at this point in life it is time for a new challenge. Along the path I have been ranked as the #1 National Sales Person in the country 4 different times for 4 major companies. I have personally conducted many investor and broker seminars. I have appeared several times on a local Florida ABC TV Network station hosting the nightly investment news report. I have appeared many times as a guest speaker on several live talk radio shows regarding investments. I have been the author of “Profit Now, The 13 Best Sales Ideas.” I was twice accepted into “Who’s Who in American Business.” My onetime largest sale acting as the wholesaler, on-call-closer, l made on behalf of an investment broker was for a one time amount of $25,000,000 cash. I have been a speaker at the International Convention of the Financial Planning Association conference and spoke to a packed room on 2 different occasions.

After meeting Bernie Cason and passing the MLO test I am now full time in the mortgage business. I am very much looking forward to the next 12 months as we map out my plan for success with Cason Home loans and I very much thank Bernie Cason for his belief in me, giving me the opportunity to make this change.

Yours Truly

Bob Totaro


Find the Perfect Loan

If there is a mortgage product that you need, Cason Home Loans has it!
I need a loan above $424,100.
I'm looking for a short term loan.
I want the lowest interest rate available.
I don't want to worry about my interest rate going up.
I want to live in a rural area.
I am a military veteran or actively serving.
I don't have a lot of money for a down payment.

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Our licensed loan officers are highly informed so you can have the confidence that you are getting the best mortgage advice for your needs.

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Clear Answers to Common Questions

From start to finish, our team will go above and beyond to ensure all your questions are answered.
What are the common fees through the mortgage process?
What is the difference between a Mortgage Broker & Mortgage Banker?
What is a Rate Lock or Lock In?
What is a Loan To Value Ratio (LTV)?
What are Discount Points (or Points)?
What is the difference between Interest Rate & APR?
What are the steps in the Mortgage Process?
What is a Truth-in-Lending Disclosure and why do I receive it?
What is Private Mortgage Insurance (PMI)?
How does an escrow account work?

With all of the mortgage companies that seem to appear and disappear you may wonder why I choose to work for Cason Home Loans.

First, Cason Home Loans has been in business for over 12 years and is managed by extremely experienced loan professionals that understand my job intimately and always go the extra mile to help me serve you.
Second, Cason Home Loans is a mortgage BANKER not a mortgage BROKER. This means that Cason Home Loans is an actual lender with its own products and its own staff of in-house underwriters.

These important distinctions mean that Cason empowers me to offer the best programs and tools in the industry, in addition to exceptional support, specialized products and very competitive rates that are unique to Cason Home Loans.



In short, "I work for Cason because they make sure that I have the best products and service to offer you - and this brings my clients back again and again!"

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EXPERIENCE A TRUE PARTNERSHIP THAT BRINGS you home faster.

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