Rafael is a proven and licensed mortgage “Bilingual” banking professional with 39 yrs of experience. His experience ranging from a Loan officer, Account Executive, Operations Manager through Regional Manager in Wholesale and Retail platform allows him to have a clear understanding of lending which enables him provide a unique and personalize experience for each individual borrower. Rafael sees challenges as opportunities and embraces the opportunity to close out of the box scenarios. He is experienced in but not limited to programs such as Conventional loans, Jumbo loans, Non Qm, FHA, VA loans and Down Payment Assistance Programs. His commitment to his mission of establishing customers for life truly drives his daily goal of building long lasting relationships by keeping the focus on the borrowers individual situations and needs while remaining micro sensitive to details and time lines.