Opening Time

Mon - Fri 09:00 - 18:00
Sat 09:00 - 14:00

Rafael Acosta

Rafael Acosta

Loan Officer | Corporate Coach

We offer the lowest mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.

Bio:

For over 20 years Rafael Acosta has seen how the mortgage industry works—and how it often falls short. Now, Team CTC Group, with Rafael's leadership are on a mission to fix the broken system, proving that getting a mortgage doesn't have to be confusing or stressful.

The focus is simple: building a process rooted in transparency, clear communication, deep knowledge, and cutting-edge technology. This means you as mortgage applicant get straight answers with visible interest rates, you stay informed every step of the way, and you benefit from an efficient, modern experience.

Team CTC Group is making mortgages less complicated and more honest, helping individuals, families and investors secure their future with confidence.


NMLS#: 1111342

License: FL

Spoken Language: English, Spanish

My reviews on Google

I honestly cannot say enough amazing things about Rafael! He was absolutely exceptional from beginning to end and made what could have been a stressful process feel smooth, reassuring, and genuinely exciting. From the very beginning, Rafael was incredibly responsive, knowledgeable, patient, and attentive. No matter what time of day it was, he was always there to answer our questions, explain things clearly, and make sure we felt comfortable with every step of the process. We never felt like just another client — he made us feel truly valued and supported. What meant the most to us was that Rafael actually came to our closing. In a world where customer service can sometimes feel impersonal, he went above and beyond to be there with us on such an important day and make sure we felt supported as we officially closed on our dream home. That meant more than he probably realizes. 🥹🏡❤️ Buying a home is a HUGE milestone, and having someone like Rafael in your corner makes all the difference. His dedication, professionalism, communication, and genuine care are unmatched. If you are looking for a loan officer, stop looking — Rafael is the one you want! We are incredibly grateful that he was part of our journey to our dream home, and we would recommend him to absolutely anyone. Thank you, Rafael, for going above and beyond and helping make this experience so special! ⭐️⭐️⭐️⭐️⭐️
Rafael is an absolute pleasure to work with! He's thorough, proactive, and always makes sure his clients are informed every step of the way. You can tell how genuinely committed he is to getting the best outcome for the people he works with. Beyond his expertise, Rafael just brings such positive energy to every transaction. He's upbeat, easy to communicate with, and makes what can be a stressful process feel smooth and stress-free. We look forward to many more closings with Rafael and his team in the future. Highly recommend!

Mortgage Rates

Why are our rates so low?

  • 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 239 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

239+

Number of Lenders

21002+



(Avg. 5.0) Google Reviews

2616+

Loan officers

48

Licensed states

express

Ready to settle your mortgage plan?

We are here to help you with the great deal in the market.

Services We Offer

Home Purchase

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.

Re-finance Low Rate

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.

Re-finance Cash Out

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.

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.

Contact us today

Your home is one call away. We will get back to you immediately.

CONTACT US NOW

Fast funding,
easy application.
Get your loan today!

Quick Loans, Anytime, Anywhere!

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