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Javier Giarelli
Loan Officer
We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.
Bio:
Javier Giarelli is a bilingual English–Spanish Realtor® and Mortgage Loan Officer based in Miami, Florida, specializing in helping buyers, sellers, and investors navigate the real estate and financing process with clarity and confidence.
With a unique dual background in real estate sales and mortgage lending, Javier offers clients a powerful advantage: seamless guidance from property search to loan approval and closing. His integrated approach helps clients save time, avoid costly mistakes, and make smarter financial decisions—whether purchasing a primary residence, second home, or investment property.
Serving both local and international clients, Javier has extensive experience working with first-time homebuyers, move-up buyers, self-employed borrowers, and foreign nationals. His bilingual fluency allows him to clearly explain complex real estate and mortgage concepts, ensuring every client fully understands their options and feels confident at every step.
Known for his professionalism, responsiveness, and market knowledge, Javier is deeply familiar with the Miami and South Florida real estate market, including residential, luxury, and investment properties. He prides himself on providing honest advice, strategic insight, and personalized solutions tailored to each client’s goals.
NMLS#: 1952196
License: FL
Spoken Language: English
My reviews on Google
Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 244 lenders in real-time for you.
- 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the United States. Because we have closed so many loans, we can negotiate and obtain ridiculously low rates from lenders.
- 3. WE LOWER OUR PROFIT: Our profit per loan is much lower than that of our competitors. We aim to earn your business and your referrals.
OUR ACCOMPLISHMENTS
244+
Number of Lenders
21834+
(Avg. 5.0) Google Reviews
2655+
Loan officers
48
Licensed states
Ready to settle your mortgage plan?
We are here to help you with the great deal in the market.
Services We Offer
Home Purchase
Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork. All you need to do is to trust us and relax.
Refinance Low Rate
Need to refinance to get a better rate? We will get great deals for your financial plan. As rate is updated in real time from lenders, your refinance plan will just get better.
Refinance Cash Out
A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.
Rudy provided a great buying experience for me in purchasing a home in Monterey Park, CA. He knew the area well, provided excellent guidance, responded quickly when I had questions, and also help me negotiate a highly competitive house that was hot on the market. Thanks Rudy!
Aileen was a pleasure to work with, she helped us to buy a home which we were waiting for a long time. She goes above and beyond to get things done on time. Very prompt in follow ups, responding to emails and text messages. I strongly recommend Aileen if you are buying a house, you can rely on.
Michael is a professional and a gentleman. He was always on time; always prepared; always willing to go the extra mile. He answered all of our questions and provided details and explanations when we were puzzled. He was never flustered, never in a hurry, and never angry. Michael was a pleasure to work with. We are immensely satisfied with Michael's service.
Why Us
Independent Advice.
We commit to always give you independent advice regarding real estate and mortgage options.
Customer First.
We make less per loan than competitors and pass the extra savings to borrowers.
Low Available Rates
You will always get great deals with our real-time pricing engine.
Fast, Convenient, Local Service.
we are just one call away from your requirement.
Fast funding,
easy application.
Get your loan today!
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