There is no place else on earth quite like Florida and owning property here is one of the great privileges of life. Raised in Florida, Rafael has a passion for real estate and has been a full-time mortgage professional since 2003 after graduating from the University of Central Florida with a degree in finance. His experience and local know-how attributes to his ability to educate home buyers in making the best decision for their future. Rafael has extensive experience in working with creative mortgage and credit solutions so having him on your side means you are working with a real professional. 99% of his business is referrals from realtors and other referral partners that trust his ability to deliver a smooth mortgage experience. Born in Caguas, Puerto Rico he is proud to serve the Spanish speaking community. Whether in English or in Spanish he will work extra hard to make sure your real estate transaction is a complete success!