se habla Español   Defined as the American Dream...whether you are 21, 31 or 41 years of age, HOME OWNERSHIP is what most people aspire to achieve as some point in life. This goal is what motivates me to be the best of the best in the mortgage industry.   Since 1999, I have focused on helping first-time home buyers, repeat clients, investors, community developers and real estate agents, not only achieve the dream of home ownership, but provide a hands-on approach to service by offering initial home counseling, financial planning and seamless communication throughout the process.   What might be considered the biggest financial investment one would make, home ownership has so many benefits and I want my clients to fully understand and feel comfortable with any/all loan programs available to them, before choosing a particular product. My experience, professionalism and honest approach to the lending process is how I build trust and rapport. Making you, the client, feel comfortable every step of the way.   I am not a magician, I am a professional that understands the market, trends, available loan programs and I appreciate and welcome all loan opportunities. No loan is too small or too difficult. I approach each opportunity the same way...service, communication, competitive rates and I treat each client as if you are family, because, after 19 years in this business, many clients have not only become great friends but in some cases FAMILY!  Aviso de Exención de Responsabilidad: Todas las negociaciones y los Documentos de Transacciones de Préstamos Hipotecarios se realizarán y serán proporcionado en Inglés.  Le sugerimos que trabaje con un intérprete de su elección.

Sales Manager/VP of Mortgage Lending

GERENTE_DE_VENTAS_/_VP_DE_PRéSTAMOS_HIPOTECARIOS

Damien Ramirez is your Miami local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Damien is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Damien at (786) 347-5920 for more information!

Damien Ramirez at Guaranteed Rate (NMLS #347663)

Se habla Español! Sylvia has been in the mortgage business since 1993 and has consistently been recognized for her high level of production and superior customer service. She has been featured in Yahoo Finance’s Top 20 Mortgage Professionals of 2020. She is the author of Mortgage Matters. RealWorks Press, 2015 and a contributing writer to the NOLO’s Essential Guides: Buying your First Home. NOLO, 2019 and Selling Your House. NOLO, 2017.



Sylvia’s goal is to simplify the mortgage process for her customers and make the home loan process easy to navigate and accessible. She and her team thoroughly educate their borrowers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program.



Sylvia graduated from Florida International University majoring in Finance and is a licensed mortgage originator. She resides in the robust and diverse community of South Florida where she has built a word-of-mouth referral network as a trusted advisor with her past customers, real estate professionals, financial planners, employee benefit managers, and CPA’s. She serves as a director on the board of the Mortgage Bankers Association of South Florida.



Aviso de Exención de Responsabilidad: Todas las negociaciones y los Documentos de Transacciones de Préstamos Hipotecarios se realizarán y serán proporcionado en Inglés. Le sugerimos que trabaje con un intérprete de su elección.

VP of Mortgage Lending

VP_DE_PRéSTAMOS_HIPOTECARIOS

Sylvia Gutierrez is your Miami local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Sylvia is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Sylvia at (305) 847-9257 for more information!

Sylvia Gutierrez at Guaranteed Rate (NMLS #372427)

¡Hablo español!



Thank you for visiting my website. I am excited to be partnered with such a great company! My name is Angel Medina III, I have been working in the mortgage industry for 20 years.



The core values of this company is what originally drew my attention and made me want to work here. •	We work with the best of the best •	We think big •	We hold ourselves and others accountable •	We put the customer first •	We demand excellence I find these values extremely important when you are doing business, and these are the standards of which you can hold me by on a daily basis.



My family is the most important aspect of my life. I have a tremendous support system with them and they make going to work and coming home a pleasure. I am fortunate to have such an amazing group of people around me at home and at work.  We are all looking forward to what comes next.



Adelante!



Aviso de Exención de Responsabilidad: Todas las negociaciones y los Documentos de Transacciones de Préstamos Hipotecarios se realizarán y serán proporcionado en inglés.  Le sugerimos que trabaje con un intérprete de su elección. Podrá encontrar más información sobre el proceso de préstamo en español en https://www.consumerfinance.gov/es/herramientas-del-consumidor/hipotecas/

Branch Manager/VP of Mortgage Lending

GERENTE_DE_SUCURSAL_ASOCIADO

Angel Medina is your Miami local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Angel is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Angel at (305) 519-7905 for more information!

Angel Medina at Guaranteed Rate (NMLS #949908)

As your trusted Guaranteed Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Phillip Medina is your Miami local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Phillip is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Phillip at (305) 301-4435 for more information!

Phillip Medina at Guaranteed Rate (NMLS #627648)

Joey Vazquez is your Miami local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Joey is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Joey at (305) 910-0270 for more information!

Joey Vazquez at Guaranteed Rate (NMLS #1780131)

Gaby Alvarez is your Miami local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Gaby is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Gaby at (561) 226-4204 for more information!

Gaby Alvarez at Guaranteed Rate (NMLS #2008667)

Licensed Mortgage Consultant

Ralph Ramos is your Miami local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Ralph is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Ralph at (786) 506-6064 for more information!

Ralph Ramos at Guaranteed Rate (NMLS #2468570)

Miami

<section class="footer" style>
    <div class="footer__topDivider">
        <div class="footer__linkpacK">
            <div class="footer__linkpack__column">
                <p><strong>Manage your mortgage</strong></p>
                <ul>
                    <li><a title="footer: sign into your account" href="https://login.guaranteedrate.com/" data-track="mortgageFooterNav-signin" rel="nofollow" target="_self">Sign in to your account</a></li>
                    <li><a title="footer: pay your mortgage" href="/servicing" data-track="mortgageFooterNav-pay-mortgage" rel="nofollow" target="_self">Pay your mortgage</a></li>
                    <li><a title="footer: contact us" href="/contact-us" data-track="guaranteedrateFooterNav-contact-us" rel="nofollow" target="_self">Contact us</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>About us</strong></p>
                <ul>
                    <li><a title="footer: about guaranteed rate" href="https://www.rate.com/about-us" data-track="guaranteedrateFooterNav-about-us" rel="nofollow" target="_self">Overview</a></li>
                    <li><a title="footer: our core values" href="https://www.rate.com/about-us/core-values" data-track="guaranteedrateFooterNav-corevalues" rel="nofollow" target="_self">Core values</a></li>
                    <li><a title="footer: leadership" href="https://www.rate.com/about-us/leadership" data-track="guaranteedrateFooterNav-leadership" rel="nofollow" target="_self">Leadership</a></li>
                    <li><a title="footer: press" href="https://www.rate.com/news" data-track="guaranteedrateFooterNav-press" rel="nofollow" target="_self">Press</a></li>
                    <li><a title="footer: Our Foundation" href="https://www.rate.com/about-us/gr-foundation" data-track="guaranteedrateFooterNav-foundation" rel="nofollow" target="_self">Our Foundation</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Careers</strong></p>
                <ul>
                    <li><a title="footer: loan officer careers" href="https://www.rate.com/careers/loan-officers" data-track="guaranteedrateFooterNav-loan-officers" rel="nofollow" target="_self">Loan officers</a></li>
                    <li><a title="footer: careers at GR operations" href="https://www.rate.com/careers/operations" data-track="guaranteedrateFooterNav-operations" rel="nofollow" target="_self">Operations</a></li>
                    <li><a title="footer: careers at GR tech" href="https://www.rate.com/careers/gr-tech" data-track="loantypesFooterNav-gr-tech" rel="nofollow" target="_self">Tech</a></li>
                    <li>
                        <a title="footer: all open positions at guaranteed rate" href="https://www.rate.com/careers/open-positions" data-track="guaranteedrateFooterNav-all-open-positions" rel="nofollow" target="_self">All open positions</a>
                    </li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Websites</strong></p>
                <ul>
                    <li><a title="footer: GR insurance" href="https://www.guaranteedrateinsurance.com/" data-track="guaranteedrateFooterNav-Insurance" target="_blank">Guaranteed Rate Insurance</a></li>
                    <li><a title="footer: advocus title" href="https://advocustitle.com/" data-track="guaranteedrateFooterNav-Advocus-Title" target="_blank">Advocus Title</a></li>
                    <li><a title="footer: agent advantage" href="https://agents.rate.com/" data-track="guaranteedrateFooterNav-Agent-Advantage" target="_blank">Agent Advantage</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Connect with us</strong></p>
                <p>
                    <a class="footer__linkpack__social" aria-label="social-youtube" href="https://www.youtube.com/channel/UCc4dTfT3Eh1lU59jjsp4EuQ">[[[font_icon:blt859a2efb11933a2a]]]</a> <a class="footer__linkpack__social" aria-label="social-instagram" href="https://www.instagram.com/guaranteedrate/">[[[font_icon:blta870b681e52d65d1]]]</a> <a class="footer__linkpack__social" aria-label="social-linkedin" href="https://www.linkedin.com/company/guaranteed-rate">[[[font_icon:blt57fe6bab12809053]]]</a> <a class="footer__linkpack__social" aria-label="social-twitter" href="https://twitter.com/guaranteedrate">[[[font_icon:bltea72d7b40e877130]]]</a> <a class="footer__linkpack__social" aria-label="social-facebook" href="https://www.facebook.com/guaranteedRate">[[[font_icon:blt682069442c75fc67]]]</a>
                </p>
            </div>
        </div>
        <div class="footer__griLinks">
            <div class="footer__grLinks__links">
                <p>
                    <a title="footer: accessibility" href="https://www.rate.com/accessibility" data-track="footerFullWidthMenu1-accessibility" rel="nofollow" target="_self">Accessibility</a> |
                    <a title="footer: licensing" href="https://www.rate.com/licensing" data-track="footerFullWidthMenu1-licensing" rel="nofollow" target="_self">Licensing</a> |
                    <a title="footer: notice to vendors" href="https://www.rate.com/notice-to-vendor" data-track="footerFullWidthMenu1-notice-to-vendors" rel="nofollow" target="_self">Notice to Vendors</a> |
                    <a title="footer: privacy policies" href="https://www.rate.com/privacy" data-track="footerFullWidthMenu1-privacy-policies" rel="nofollow" target="_self">Privacy Policies</a> |
                    <a title="footer: sms terms " href="https://www.rate.com/sms-terms" data-track="footerFullWidthMenu1-sms-terms" rel="nofollow" target="_self">SMS Terms</a> |
                    <a title="footer: terms of use" href="https://www.rate.com/terms" data-track="footerFullWidthMenu1-terms-of-use" rel="nofollow" target="_self">Terms of Use</a> |
<a title="footer: DNC" href="https://dih4lvql8rjzt.cloudfront.net/cms/aef46f19-6a80-4a9d-8d50-e4d06e89b8a1_GR-DNC-Consumer-Policy.pdf" data-track="footerFullWidthMenu1-terms-of-use" rel="nofollow" target="_self">DNC</a> |
                    <a title="footer: nmls consumer access" href="http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2611" data-track="footerFullWidthMenu1-nmls-consumer-access" rel="nofollow" target="_self">
                        NMLS Consumer Access
                    </a>
                </p>
            </div>
            <div class="footer__grLinks__logo">
                <p>
                    <a href="/">
                        <img
                            alt="Guaranteed Rate Logo"
                            data-src="https://s3.amazonaws.com/grate-cms/3fe9b590-ed40-4d75-9a71-08f318e027f5_gr-2color.svg"
                            src="https://s3.amazonaws.com/grate-cms/3fe9b590-ed40-4d75-9a71-08f318e027f5_gr-2color.svg"
                            width="155"
                        />
                    </a>
                </p>
            </div>
        </div>
        <div class="footer__disclaimerLinks">
            <p>
                <a href="https://www.rate.com/delaware-licensed-loan-officers" data-track="footerFullwidthMenu2-delaware-licensed" target="_self">Delaware Licensed Loan Officers</a> |
                <a href="https://www.rate.com/texas-consumers-how-to-file-complaint" data-track="footerFullwidthMenu2-texas-consumers" target="_self">Texas Consumers: How to file a complaint</a> |
                <a href="https://privacyportal-cdn.onetrust.com/dsarwebform/168096e5-faa8-4fdd-a479-992231adbdc1/70bd9394-cadd-46fa-8eaf-11c1f5523029.html" data-track="footerFullwidthMenu2-do-not-sell" target="_self">
                    Do not sell my personal information
                </a>
            </p>
            <p class="footer__disclaimerText">
                Please note that applications, legal disclosures, documents or other material related to Guaranteed Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the
                convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail.
            </p>
        </div>
        <div class="footer__housinglogo">
            <p>
                <img
                    alt="Equal Housing Lender Badge"
                    data-src="https://dih4lvql8rjzt.cloudfront.net/cms/4a0cbd28-6f93-44e8-a5e4-a52e9ce30ee2_EqualHousingLender.svg"
                    src="https://dih4lvql8rjzt.cloudfront.net/cms/4a0cbd28-6f93-44e8-a5e4-a52e9ce30ee2_EqualHousingLender.svg"
                    width="136"
                    height="29"
                    style="width: 136px; height: 29px;"
                />
            </p>
        </div>
        <div class="footer__grInfo">
            <p>
                © 2023 Guaranteed Rate, Inc. All rights reserved.<br />
                NMLS License #2611 - For licensing information, go to: <a href="https://www.nmlsconsumeraccess.org">www.nmlsconsumeraccess.org</a><br />
Arizona Mortgage Banker License #0907078<br />
                3940 N. Ravenswood Ave Chicago, IL 60613 The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock.
            </p>
        </div>
    </div>
</section>


7 Loan Officers in Miami, FL