Rafael Andino, Mortgage Loan Officer

Rafael Andino is a Florida-based Mortgage Loan Officer with Loan Factory, helping homebuyers, homeowners, and real estate investors secure the right financing with clarity, speed, and confidence. With access to 240+ lenders, Rafael shops the market to deliver competitive mortgage rates, flexible loan programs, and tailored solutions that fit each client’s financial goals.

Serving Miami-Dade County, Miami Beach, North Bay Village, and clients throughout Florida, Rafael specializes in FHA loans, Conventional loans, VA loans, Jumbo loans, DSCR investor loans, and Non-QM financing. Whether you're buying a condo, single-family home, or investment property, he provides strategic guidance to help you qualify, compete, and close successfully.

As both a licensed Mortgage Loan Originator (NMLS #1895655) and Realtor®, Rafael offers a unique advantage—understanding not only how to get loans approved, but how to structure them to win in today’s competitive real estate market. His approach combines smart mortgage strategy, fast pre-approvals, and clear communication from application to closing.

Rafael is known for simplifying the loan process, breaking down payments, rates, and closing costs in plain English so clients can make confident decisions without surprises. His mission is to create a smooth, transparent experience while helping clients build long-term wealth through real estate.

Fluent in English and Spanish, Rafael proudly serves first-time homebuyers, move-up buyers, and investors across Florida with a relationship-driven approach built on trust, education, and results.

Start your pre-approval today and explore your options with confidence.

Serving Miami, Miami Beach, North Bay Village, and all of Florida for mortgage and home financing solutions.