Rate Leaf is a digital-mortgage company headquartered in North Miami, Florida that specializes in residential home loans and commercial mortgages for first-time home buyers and real estate investors. Rate Leaf offers a wide product of loan programs from FHA, VA, and Conventional loans to a multitude of investor programs for self-employed borrowers. With a heavy emphasis on customer support, lightning-fast closing times, and discounted pricing and rates, Rate Leaf's goal is to turn every renter into a homeowner.
Hi, my name is Nicolas, and I'm a Sr. Loan Advisor at Rate Leaf. When I'm not at the office, fixing cars is what I live for. Like any good mechanic, I like to tinker with loan options to make sure that I've found the best possible home-buying scenario for my client.So many of my past clients have walked through the door unaware of all of the options they actually have. It's a shame because you can get very creative and save thousands on your mortgage if you've got a broker willing to put in a little elbow grease.
Christian is Rate Leaf's CEO. Ever ambitious, Christian is devoted to serving his clients in order to guarantee a pleasant home-buying experience, all while protecting their escrow deposit. He created Rate Leaf with the intention of bridging the divide between lenders and realtors. This way clients can enjoy a fuller, faster, home-buying experience.
Customer Care is the name of his game: friendly and helpful. He will always make sure that all of our clients are taken care of. He is fluent in English, French, Spanish, and Haitian Creole. He loves to spend time with his family and can usually be found watching historical dramas from around the world.
Stan is Rate Leaf's Operations Manager. He oversees the Processing Team and is the one to turn towards when a loan is in a tough spot. His extensive knowledge and passion for the mortgage industry have led him to personally train each processor: ensuring that they are ready to adhere to Rate Leaf's principles, guidelines and values.
Valerie is in charge of coordinating all of our Loan Closings. Expressive and reassuring, Valerie celebrates each closing as if it were her own. She coordinates with title and escrow companies with all the care in the world. A mom of five and a pet mom of three, Valerie is a natural host, who keeps all of our clients feeling engaged and cared for.
Borrowers who have Krystal working on their file always feel reassured that their loan is in good hands. Her attention to detail and friendly manner are unmatched.
Jonathan is a Processor who aligns himself closely with clients and lenders. His friendly manners, communication, and strong negotiation skills make him an exceptional team player. He believes in strengthening customer relationships by providing highly organized service and driven outcomes for each case he manages. He is a fitness fanatic, an avid football enthusiast, and enjoys spending time with family.
Karl was born and raised in Port-au-Prince, Haïti. He moved to Miami in his early twenties and attended MDCC for 2 years, before working as a real estate appraiser in Miami-Dade and Broward County. A previous resident of Canada, Karl moved back to Miami with his family to work as Rate Leaf's pre-underwriter. His lifelong passions are soccer and football.
Kevin is a Pre-Underwriter at Rate Leaf and firmly believes in paying it forward. Having spent more than 10 years in Quality Control, he dedicates himself to giving outstanding service and will go above and beyond while reviewing applicants’ files. His motivation lies in building solid relationships with producers and carrier partners while always seeking to obtain the best solution for the client.He loves sports, has a passion for football, and has a mild penchant for collecting cigars.
He speaks Spanish, Creole, and he can get by in French as well. He is honored to be a part of the guardianship of the American Dream: Home Ownership!!!
Hello, my name is Terell and I am a Senior Loan Advisor at Rate Leaf. I was born and raised in Miami. I was allotted the opportunity to attend Howard University on a football scholarship serving as a four-year starter and captain on their football team. Over the years, I have helped countless families experience homeownership and have sold millions in volume in real estate. The most rewarding part is helping people that look just like me to overcome the invisible barriers in the real estate market.
After 20 years of being in Home Finance, something that I have never taken for granted is what I do for a living: help families purchase their HOME!I am very passionate about educating our clients about finances and how important it is to take control of their financial future. I truly believe we are a key pillar of financial success for our clients, why you may ask... Did you know 83% of the American family's net worth is in the form of home equity?! This is why we operate very differently than your average loan officer.
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